Humana Health Insurance

Apparently, Humana switched to a new billing system in the Fall 2011. My premiums are due quarterly and I have not had a correct statement in 3 quarters. Premium payments are not properly applied. I've spent countless hours on the phone trying to get this fixed. When I spoke to customer service at the end of March, they agreed that it was their problem and a supervisor would be addressing the issue and getting back to me. That was 2 months ago.

Last week, I received a notice saying my coverage is being cancelled on May 31, if they do not receive a payment. When I called today, no one can even tell when the correct amount due. I was told the supervisor was still working on it, but not available to speak with me. My statements have been incorrect for 9 months now and no one can seem to resolve the issue. Very frustrating.

Member, or not? Cannot and will not identify me as a member of their Humana Reader's Digest Healthy Living Plan (Regional PPO) even though I was provided an ID card with member number **. Customer Service does very well when reading from a script, but little to no help otherwise.

Humana One sold my wife and I a policy that we were told included pregnancy/prenatal coverage. Two months into it, we found out that nothing is covered for pregnancy by Humana One and that they don't even have a contract with any OB/Gyn provider for discounted rates. We told the sales staff that pregnancy coverage was something that was important to us, being in our 30s. They told us it would be covered. Humana One will tell you anything to get you to sign up with them, and then, they exclude basic things like pregnancy coverage. Avoid them like the plague.

I waited over a week and a half to have an MRI because I was in a car accident and I have been losing the feeling in my right arm. My doctor and my chiropractor ordered me an MRI, that way they could see what was going on and move forward with my treatment. I have been out of work for about three weeks now because of all the pain I am in and my chiropractor can't do too much without knowing if I have nerve damage. The night before my MRI, I got a call from the hospital saying that they have to cancel my appointment because Humana won't approve it and that they want further investigation. Basically, Humana doesn't want to pay for it. I guess barely having feeling in my right arm isn't enough proof.

When I called Human, they were so rude! I explained my problem and the woman said, "Are you done yet?" I didn't even have an angry tone to my voice so I don't even know why she would say that. They told me my doctors haven't contacted them at all and it's their fault and they would like to wait 6-8 weeks to see if my health improves. Well, in the past three weeks since I had my accident, my condition had worsened. Before I called Humana, I just got off the phone with my doctor and he said he has been calling and leaving at least three messages a day with the Humana doctor because it is so critical that I have my MRI as soon as possible. I am so glad I pay over $70 out of my paychecks every other week to have them try to get out of paying everything. Isn't that what insurance is for?

I got 2 letters in the mail and it said that they could not take payment out of my bank account. I called and they said that a number was transposed and they could only see the last 3 numbers. They should have called and told me they were having a problem. Instead, I was charged 25.00 dollars for a late fee, which was not my problem, it was theirs. If this continues, I will find another insurance company.

When I signed up with Humana's Medicare Advantage this year since I turned 65, I was assured that many doctors were in network and would take my insurance. Yes, some are on their lists - but when contacted they say they don't participate, including the only hospital (Indian River Medical Center). None of my doctors said they participated and no hospital. I signed up for the dental insurance as well. I can't find any dentist in the area even though they are listed. This constant hunting for a doctor or dentist scares me. I don't know what to do except hope that I don't need serious medical care until next year when I can hopefully switch.

My friend's mom has a broken wrist and when she called and asked for a list of orthopedic doctors that would take her insurance, they refused and said she had been given a book when she enrolled and to look there. Humana needs to be shut down by the government! They are hurting people everyday and taking advantage of people that are seriously ill.

Refused to re-enroll my father - My father had coverage with Humana. He moved out of the "service area" and they cancelled his coverage. We attempted to enroll him in a plan in his service area and were told he had coverage. I hadn't heard anything so I contacted them and they said his application was "pending". I was assured it was being processed and he was covered. I continued to contact them and was always assured everything was fine. No coverage was provided and I contacted them a fourth time. I was then told 60 days had passed since his coverage ended and the application was "abandoned".

These people are crooks! They flat out refused to process the application and once the 60 days had lapsed, claimed there was nothing they could do. We were forced to enroll in a different plan with Medicare Blue and now face a monthly premium penalty due to the fact that Humana refused to cover him. Humana should be paying this fine as far as I'm concerned. He went without coverage not by his choice, had to pay for his own medications during that time ($1700) and now has to pay a fine to be covered by someone else?! How is this system fair and equitable? He already had to pay for his own medications out of pocket and now has to pay a fine for not having coverage?!

This is really the most ridiculous thing I've ever heard of. Why Humana isn't punished for hanging on to an application until the 60 days expired then claiming it was abandoned? Why did we continue to contact the company if we had abandoned the application? We could have enrolled in a different plan with another company within the 60-day timeframe if they had simply stated they didn't want to cover him. This program is ridiculous!

Simple math: I pay HumanaOne $35/month, plus a $72 introduction fee. Add the $150 deductible and that's about $607/year. I go to my dentist and get 3 fillings and x-rays. The dentist bills Humana $519. Humana pays the dentist $54 - $54! The dentist then bills me $465. So with insurance, I end up paying $1072 for dental work as opposed to the $519 it would have cost me without insurance. What, I ask, is HumanaOne doing with my money? I am absolutely furious with this company and will continue to call them every single day until someone listens to me. I ask for a manager and get put on hold for 30 minutes.

My doctor prescribed me new medication for my ADHD. Humana refused to pay for it and told my doctor to find something cheaper. Then there is this formulary thing that has shown up all the sudden. I think everyone on Humana should be allowed to change to a different insurance since Humana isn't providing the care they are supposed to.

I went to pick up the sleep medicine (Ambien) that my doctor prescribed. I was told the insurance company would no pay for it. They needed a reason why the doctor prescribed it. This is stupid. They just don't want to pay for it. This is the third prescription these people did not pay for. I will dump these people as soon as I can. People should be aware of Humana's drug plans. When they use an excuse like this to get out of paying for something, it's almost funny. But I'm not laughing.

Drug formulary change - I received a notice that 2 of my prescribed medications were no longer going to be covered on their drug formulary. These meds are dextroamp-amphetamine er 30 mg cap and amphetamine salts 20mg tablet. After being covered through Humana for several years and three months into the new year, they are just now notifying me of this and has given me only 30 days to try and work with my doctor to request an exception from the plan to continue coverage of these drugs or switch immediately to Strattera, a drug that I have tried in the past, with no success and major side affects.

It is surprising that a company (Humana) could decide and override what my doctor, being highly trained in my diagnosis and treatment with a high level of success, can restrict my meds that had been approved several years in the past and inform me that I should take another, less effective medication, having adverse effects on me. I am following the set guidelines set forth by Humana and feel that I have a long road ahead of me. The purpose of this complaint is company vs. physician. How does an organization know what is better for me than my doctor?

Why was I not informed before enrollment by a representative and was only given 30 days to absorb, search for a medication that is successful in my treatment plan and fill out all of the necessary paperwork? It took them 90 days into the new year to inform me and now only 30 days to respond and try to override a successful treatment? Lastly, my current meds are in generic form, making it affordable to me, being on a limited income. My research shows that Strattera does not have a generic formulation and would almost double my current monthly cost, being a cost restriction for me to even obtain it, leaving me with nothing affordable to take. Again, I don't see the logic behind their decision.

Last week of January, we received our new Humana card (mine and my husband's) with a new doctor's name. I don't know this doctor and I refused to use this new doctor beside our old doctor who has been taking care of us since 2002. I called the customer service and was told that our doctor is no longer in their network. So I called the office of our doctor. The secretary said she was not aware of that. So she started calling Humana and she was told that it was the network mistake and she'll try to fix it. She said they will send a new card with the old doctor's name. We waited for the new card, which was supposed to arrive by February 15. But we never received it. So she called again today to her contact intake specialist but she would not answer.

Today, I have a problem. My right eye is very red and it hurts so I went to get an authorization to see the eye specialist. I am diabetic and I am afraid this will become worst. I called the customer service only to find out that my doctor is still not back in the system. I discarded the card with the new doctor. I'm not mentioning any name here but I know that you have all the information I'm talking about. I need immediate service. I was told before that I could still use my old card until they fix the problem. Please get back to me. I need to know why you're dropping my doctor's name in your system without letting him know and giving me a new doctor. Why? Please get in touch with the secretary of my doctor who gets authorization. She tried to call her contact (intake specialist) but was not answering the call. Call Maria at **. I need emergency care. Call me at **.

My husband was very ill and in need of a doctor. I called Humana and was told that they "had no" doctor who could see him? This I did not understand, because I was told before I "signed up" that if we were ill, to call the office!? The receptionist stated that "my husband would have to wait until his next appointment time to see a doctor"!? I was so mad that I called the "emergency call line" and got the doctor "on call" to talk to me. This doctor told me to take my husband to "urgent care"? I asked what and where it was. He then said, "Didn't someone tell you about urgent care?" I replied no. He then gave me the address and the telephone number.

The next day, I called Humana again. The receptionist stated that she did not know of any urgent care facility, and I asked to speak to someone who did! I finally got someone on the phone who said that I needed "prior authorization" to go the urgent care and that I would have to come into the office! I asked if this authorization could be faxed over? She told me no!

If ever I could "drop" this Insurance without complications, I would! I was wrongly advised, and this should never happen to anyone else. Whoever reads this, please, please, please, find another care insurance, because this insurance will not take care of you when you get sick!

We have constant harassing telephone calls from Humana. My wife and I are both members of Humana's Humana Choice Regional PPO of North Carolina. We are constantly getting telephone calls at all times of the day, concerning Right Source Rx, when they actually answer on the line. They continue to call even when I tell them I am not interested in their mail service. Now, they are calling for my wife. She has just had dental surgery and getting an upper denture which none of this is covered by their plan because we are disabled and are unable to drive to one of their dentists and only little of this would be covered under their plan.

Humana is an insurance company that no one can trust. Their latest scam is to get an additional $20 through billing claims. My primary/family physician's office alerted me to their tactics of increasing your copay. Their reasoning is through the use of doctor submitted insurance codes. The code numbers (according to Humana) is that of a specialist although it is only a routine follow-up. Supposedly, this has happened to other Humana Medicare PPO insured persons. Unknown to Humana, I'm a young Medicare recipient on permanent disability. They messed with the wrong person. Right now, the doctor's office billing department is handling communication after I had called to give her my info from calling Humana.

As a side note: do not sign up for automatic premium deductions! Should you be on automatic withdrawals, call your bank and stop it, even if you have to pay a small fee, which you shouldn't. Humana is violating your instructions and is basically stealing from you. I have not and will never set up an automatic withdrawal. You're setting yourself up for problems. The government really needs to evaluate Humana's practices because many people just continue to allow Humana to rip them off. Many older people are fearful or feel they're not intelligent enough to deal with Humana. Call your local senators and ask for assistance. You and I are the ones who pay their income. Let them work for you! I'll let you know how things turned out for me.

I wanted to have weight loss surgery and I found a doctor that would do it but he wont take my Humana Insurance and I am over weight and need the surgery because I can't lose the weight due to health problems.

The biggest mistake of my life is switching Insurance companies. After years with Aetna, I went with Humana to save 5 dollars on doctors co-pay. What a mistake. Customer service are the worst I have ever seen, very rude and no help whatsoever. I slipped and fell. I went to the emergency with excruciating pain. They took x-ray's and MRI and I was told I dislocated 2 of my disks, and need surgery. Humana will not pay any of the bills because I should have notified them, and this was not an emergency.

I can and I was told to file an appeal, but the rude customer service rep. told me, "Don't count on winning. You should have gotten pre -authorization." That makes a lot of sense. Next time when I'm injured and the ambulance is waiting to take me to the emergency, screaming with pain, I call Humana for authorization. Take my advice. Look elsewhere, and don't believe their commercials; This company is a ripoff. They are correct. This is not an emergency. That's way I'm having surgery next week. Do not make the same mistake and get Humana. Look elsewhere.

My mother is 76 years old, has low income, has dementia and high blood pressure. I switched her from AARP to Humana Walmart Plan for her blood pressure medicine on April 1, 2011. The salesperson assured me that her blood pressure medication, Tiazac 240 milligrams, was on their list of "Formulary" drugs and all we would have to do is pick up her medication once a month at a Walmart pharmacy for a nominal fee.

Being that Tiazac is an old medication, I explained to the salesperson that the whole reason we were switching her is because AARP had removed the drug from their "Formulary" list and placed it on "Non-formulary" and that I've had all sorts of problems with them because of it. I also explained to him that I had a written note from my mom's physician stating that they have attempted to use generic forms of the medication for her in the past and it was unsuccessful. She can only use Tiazac. The young man gave me a fax number and asked me to fax him the note and he would put it on file so that if in the future Humana took her medication off their "Formulary" list, we wouldn't have to go through the same problem again.

I was relieved. It all worked great until this month, February. I went to pick up my mom's medicine and Walmart told me it would be $96.50 instead of the normal fee we had been paying of $6.50. Apparently, Humana removed my mom's medication from their "Formulary" list and placed it on the "Non-Formulary" one. I was told that in order to get her insurance to cover the medicine, regardless that her prescription from her doctor is still current, I would need to have her doctor's office fax over "prior authorization" and that the process would take 72 hours. I called her doctor's office and left a voicemail for them to do this and I also waited 72 hours.

Today, I called the Walmart pharmacy to see if the matter had been straightened out and was told no. I called Humana at 9 this morning and that's where the fun began. The representative told me she was unable to speak to me without my mom's permission. I explained to her that my mom has dementia and I'd be happy to conference her into the conversation with Humana by calling her with my 3-way calling feature on my phone, however I told the representative to be prepared because my mom talks and talks about things that have nothing to do with the subject at hand and she doesn't understand things very well. The rep said okay so I conferenced my mom in on the call.

After 15 minutes of my mom talking about random things (thanks dementia) she finally gave verbal permission to the Humana rep to speak with me. I asked the rep at that time if she would please note in the records that my mom had given verbal permission for them to speak with me in case I had to call them back so that we wouldn't have to go through this process again. The rep advised she was not able to do that, all she could do was send out a written form for my mom to fill out and send back and it takes a couple of weeks. Though frustrated with this information, I continued on with my reason for the call.

I asked the rep what the status of the prior authorization was. She informed me that they hadn't received anything from the doctor's office. I advised her that my mother's doctor's office faxed the info the day before. The rep said that it might be in the fax queue but there's no way to tell and it will take another 72 business hours. She said that they could "expedite" it if the doctor's office would give them verbal permission. I said, "Great, can you please conference the doctor's office in on the call so we can get this taken care of?". The rep said she is not able to make conference calls and that I could feel free to hang up with her and call the doctor's office and then call Humana back.

I pointed out that if I hang up with her and call back, she will again need my mom's verbal permission to speak with her and that will take another 10 minutes or more of listening to my mom tell her everything under the sun. She still insisted it was the only way. Rather than hang up with her and have my mom do this all over again, I asked for a supervisor. After several minutes of the rep asking me why I wanted a supervisor she finally complied with my request and got "Denise" on the line. Denise was able to attempt to call the doctor's office but she reached the nurse's voicemail so she was unable to speak to anyone.

Denise left a message with the doctor's office and said that if they would call her back with the prior authorization she would expedite it through and I could get my mom's medicine immediately after. I hung up and shortly after, the doctor's office called me and said they had called Humana and gave the prior authorization. Great, finally after 3 hours of being on the phone I could finally get this resolved! I was so happy. I called Humana back and after 30 minutes of explaining to the rep that I needed to speak to Denise and also after conferencing my poor mother back on the phone and having her tell them random stories for 15 minutes before finally telling them they had permission to speak with me, Denise finally got on the phone.

Denise said she received prior authorization and placed me on hold for 20 minutes while she had the "Review Board" look it over to approve it. She finally came back on the phone and said it had been denied. I asked why and she said that even though they received the prior authorization that they still cannot approve it because the doctor didn't specify that my mom can't take generics. I explained to her that they already had this info on file and for that matter so does the Walmart pharmacy we use. She said that didn't matter, they need it again.

I asked Denise if she could conference in the doctor's office again and get what she needed from them this time. She said she couldn't do that, that my mother would have to file an appeal since it's already been denied. I explained to Denise that we had gotten everything that Humana was requesting and that there was no mention of this prior to them denying the prior authorization. Again, she stated she cannot do anything and it will have to be appealed and it will take 4-6 weeks. My mom has 3 blood pressure pills left. They will run out on Sunday. My only other option is to take her heating bill money and go buy her medicine at full price.

The whole ordeal today took up 5 hours of constantly being on the phone. I feel that Humana placed unnecessary requests upon my elderly mother being that they already have this information on file in the first place. I also feel that even after we complied with everything they asked us to do, they still denied and came up with another unnecessary request that hadn't been mentioned before and is again, something they already have on file. I am at my wit's end so I can't even imagine what this all must feel like to other Senior Citizens that have to deal with Humana. Please help me. Thank you.

The Customer "No Service" people kept giving me providers for artificial limbs, respiratory supplies, wheelchairs, etc. They couldn't give me one for Mastectomy supplies. I finally had to use an "Out of Network" provider because they wouldn't give me the name of an in network provider that supplied breast prosthesis and bras. Now, I have to pay all because it was an out of network provider. I just needed prosthesis so I could get back to work without looking like a freak. I have to work to pay for my Humana health insurance. I would like to know how many other breast cancer patients have had this experience.

My employer went from Aetna to Humana. (What a mistake). My husband went to get a refill on his blood pressure medication he has been taking for years, and they told the Pharmacist they would not cover it because "it wasn't good for him." I'm not kidding. The pharmacist and my husband just stood there laughing at the idiocy of this company and the reason for denial. (i.e. there wasn't any reason)

How fast does Humana think I would sue them if my husband came home without blood pressure medication and dropped dead of a heart attack? They need to weigh that clerk's salary and the cost of this medicine versus the multi million dollar exposure that clerk just opened Humana up to with that type of nonsense.

I can assure you, if this happens again, there is going to be a problem. Especially if next time, we cannot afford to pay for that medication while we fight with Humana. And I won't wait for my husband to have a heart attack. I'll call the lawyer immediately when I arrive home. Can you imagine some clerk deciding that someone's blood pressure medicine "isn't good for him" and sending this person on their way? The death of that spouse? The loss of income? The liability from car accidents that could happen if the person is dizzy? The damage to others that could be hurt?

This is insane people. There's no cost/benefit analysis that justifies this horrendous liability exposure by low level clerks like this. Humana needs to start firing people immediately. Starting with the clerks in the claims office.

They will not approve my medications that the doctor want me to have. I was on Opana 40mg, but they are now out stock of the drug. I tried lower dose, but they said no to that. I finally got some but I won't allow for boster pill since I am in severe pain. I need help. I think that the way they are acting seems like they are punishing me or are trying to kill me. If I can switch, I will, even if I have to pay plenty.

I have talked with Humana about finding an oral surgeon to remove some torus bone in my mouth that accepts this insurance. No one answer this for me, this need be done ASAP. I don't have $1,800.00 to pay for this service. Please, can someone there help me? I live in Madison Heights, VA and in Lynchburg, VA area no oral surgeon in town accept this insurance so that means I have to go out of town I know you can't help that. So please email me at ** or call me at ** ASAP. Thank you and I hope you can help me, Mary **, my id # **.

My mother-in-law has cancer and is currently receiving treatments. After her second chemo treatment, her mouth broke out in sores all the way down her throat. She is in constant pain just from swallowing, so eating is tricky. We went in for a check-up and they found that her WBC white blood cells were .5 for adults and baby blood cells are not even registering. This means a common cold could kill her. So the cancer is not going to kill her but her immune system is. So they gave her blood transfusions and white blood cell boosters but most importantly they wanted to out her on antibiotics.

Due to the blisters in her mouth, they gave her liquid antibiotic. Her insurance turned it down stating, " we do not cover liquid prescriptions because we have no way of noting how much she is supposed to take." So if the prescription says 2 teaspoons twice a day, they cannot understand how much that is. They only understand two pills a day. So if you are dying of cancer and doing everything you can do live and want to live, be sure you do not need any liquid antibiotics because Humana cannot compute two tablespoons = 2 tablets.

So, my mother-in-law is told cancer is treatable but Humana is going to kill her by denying necessary prescription drugs. Simpro is not allowed. I think Humana should provide a list of what they will not cover. Oh, but then that would be a long list. Good luck to all others who have this ** insurance. I pray everyday my mother-in-law is with us. Of course, we paid out of pocket. What else could we do? And, they know it. Deny life threatening medications and the family will pay or let their loved ones die. The problem is all our resources are being depleted and we are a big family. I can't imagine the many elderly who were on fixed incomes that Humana denied and ultimately killed.

The dental policy is supposed to cover check ups. My claims were not paid. I called to inquire and they cannot find my account. I have had the policy for months and their website never has worked to print cards or policy information. Each time they have to locate me on a web screen and customer service reps have to search on an apparently antiquated system to locate my policy. Additional websites were given which also don't work. I have had it and wanted to cancel my policy and I was told it couldn't be because it hasn't been a year.

When my fianc got Humana about a year ago, we thought it was great that he finally had insurance. Little did we know, it was the insurance from hell. The 1st claim went through and they took more than half the money because they said we had a one time a year fee, okay we said.

So now, about October 2011, we sent in another one. Since then, we have yelled, screamed, cried and nothing seems to get through to them. They have hung up on us, transferred us and it hung up. They told us the claim was mailed out, lost the claim, which is over 100 pages 3 different times, sent the 1st check to my doctor, not me. Now they are saying once again they sent it to the wrong department I mean we have heard it all. We have never needed this money so bad, our home we were in the middle of moving in burned down, we had no insurance, and we have 3 kids. So we have called over 300 times only to get people who can speak English barely and who see the mistakes on the account and immediately hang up.

It costs a lot of money to send those packages with the medication and pages in to them, only for them to lose them. Every person tells us something different. We need help so bad, it just doesn't seem fair. We are good people. We do so much for others, only to have so much bad happen. I'd be willing to talk to anyone who would or could help. My email is ** and it's at **, so please help us.

They mislead me by not telling me that I could not cancel the policy before one year. I did cancel three months before one year, and the lady that sold me the policy said that she would send me an email with a confirmation number, which she never did. I noticed that they kept charging me, so I called the lady. Her name is Trinita **, and she told me to send her the statements from my bank showing when I was charged, after I canceled my policy, and I would get my money back, so I did, but they sill kept charging me for three months. I called them endless times, and talked to a lot of people, and no one could help me. All I got was a huge waste of time and money, and I feel ripped off! They are lairs and thieves. They should be locked up.

I am not angry, I am furious! We are having the same issue as Gloria from Kansas City (Jan 5, 2012). We had a family policy through my husband's employer (State). He retired last summer, and in October enrolled in Medicare. My son and I remained on the same Humana policy that we always had. We know for a fact that the State filed appropriate and correct paperwork with Humana, and that the premiums are being paid.

Every single claim for coverage since September 2011 is being denied, stating that services were provided before or after the policy was in effect. All of our medical providers are being penalized and in fact, one is being asked to send money back to Humana.

We have spent upwards of 30 hours on the phone with various Humana personnel; numerous times someone has told us that they figured out what the problem was, and would fix it. Today we again received the same denials of payment.

It is impossible to get answers to questions, grievances or appeals. The only people that pick up are in customer services and they usually cannot answer the question. When they refer you, you end up back at customer service. Most phone lines only connect to voicemail that don't allow you to leave a message. If you buy a Humana Health Insurance policy, get a prescription for valium or just accept a company that puts customer service last.

I took my pills for thyroid refill into Walgreens. They called up Humana insurance as they are my insurance company. Humana would not allow me to have my mephimazole refilled. What kind of an insurance company are they? I will end up in an ER. I'm leaving for three months and God knows how far away a Walgreens Drug store is from where I'll be, in Chautauqua, NY. I needed enough to last me for three months and I do not have that many pills. What good is their insurance company? I will get a new one next year.

I signed up with Humana in 2010. I took the HumanaChoice (Regional PPO).I was very clear to the agent at the time I signed up with Humana, that I did not want prescription coverage. I received a letter yesterday from a collection agency that Humana had turned me over for collection for $41.10.

I have never received a statement/bill or any notice from Humana that I owed them this amount. When I disenrolled recently, I spoke with an agent to confirm that they had received notice of my termination from their plan. At that time I asked if I owed anything and was told, "No"! Isn't is good business practice for a company to first try to collect monies owed before resorting to the intimidation of a collection agency? This is embarrassing and an attempt to extort money from me. When I called Humana last night, they took about 20 minutes going back and forth with a supervisor trying to find what this charge was for.

Finally she came back to me and told me she apologized for the inconvenience and she saw the problem which was no fault of mine. She spoke to her supervisor again and was told the charge would not be dropped. I am livid and am willing to take this as far as necessary if I can find an attorney or news media interested. I refuse to pay this and hope there are others out there who have had the same type of intimidation and attempted fraud and extortion from this company.

If you are an attorney who will take this on, please contact this website. They have my full contact information. I live in Eastern Tennessee. The elderly are being taken advantage of and this has to stop. My initial feeling was to just pay it without question to save my lifelong good credit rating. How many people do this? How many millions does this bring back to the company? Humana- shame on you!

My member number is H 44692470. I was mistreated by my former primary doctor (Jeffery **) he refused to give me the results of my blood test that I took for HIV, which I requested. He claims that he sent it to my new primary doctor Richard ** and to my home address, but I never got it. When I stopped by his office today, 1/23/12 and asked politely for a copy of the HIV blood test results, he refused and I was told to leave the office. I would like to make a formal complaint for their behavior and would like you to send me a copy of the results.

I am denied for pre existing illness. The doctor says I never filed that disease. I need insurance and to have this off my record.

Having recently turned 65, I've been looking for an advantage plan. I went to a sales presentation at a local YMCA where some 10 seniors also sat in for the presentation, most of them enrollees from Health Spring or other plans. The sales representative was a young man pitching the Humana Gold Plus Advantage Plan. The point is that he specifically signed-up some of the participating seniors for this plan based on an outright lie. All of those present were fed up with the need to obtain Primary Physician Referrals for all health care issues primarily because the physicians had their own locked-in referral networks that are apparently known in the industry as PODS.

When I checked further online, it became evident that this $29 per month plan is based on the same Primary Referral system though for more money per month, you are told that you can go in and out-of-network without primary referrals. Given the extensive litany of complaints, I'm staying far away from this company. Supposedly, all these sales people are licensed but they lie like trained boiler-room salesmen and probably work off quotas and a volume bonus that is totally detached from any long-term customer guidance or accountability. It is just a game for them because they are kids in their twenties.

I enrolled in Humana Medicare Advantage on 6/1/11. Two providers submitted bills in August, 2011 and have not yet been paid. No one at Humana can resolve the issue. In the meantime, my credit is getting ruined. I did not have my annual physical because of the difficulty I am having with Humana. I have made over 60 telephone calls, but the issue still exists.

According to someone from there, the problem is because I had Humana coverage as a Federal employee from 2004 - 2009. I retired and enrolled in Humana Advantage on 6/1/10 and the computers are denying claims because it is stating that "service is provided after my coverage terminated. Somehow, my record as an employee is connecting with my enrollment as a retiree. No IT specialist nor any employee can resolve this issue. I have spoken to numerous supervisors and even wrote to the CEO of Humana, but still no results.

I may mention the monthly premium is being deducted timely from my checking account on the first of each month with no problem. I am very angry as I am putting off my healthcare because I know that the providers won't get paid. In other words, I am paying for a service that I am not receiving. I am going into my eighth month.

I have Humana dental. I am not pleased. They told me that my plan will pay 80% for my dental plan. I stated to them I needed a dental plan which would go along with my budget. They were not helping when I wanted to do a complaint. I told them I wanted to cancel and wanted to be refunded my money back for the service I did not receive. I am on disability and the dental insurance was not to exceed my budget. I feel that I was misled. And it costs too much to have my work done. Also, the first question was "Can I be put on a payment plan?" They said yes. But it did not happen. When I called back, they said it was up to the dentist. After almost two years, I get a different answer. They have still taken out of my account. Please refund my monies and cancel my account as requested.

My father has significant dementia. Television ads as people to call their 800 number, which I think my dad did. Humana recently enrolled him in their Medicare Part D (prescription drug) plan. Had they asked a few questions, they would have known with absolute certainty that this man did not understand what he was doing. He already had prescription drug coverage. Their sales staff inappropriately took advantage of an elderly person with dementia. They will never get one dime in premiums from this family.

I don't have a complaint with Humana because after reading many of these comments, I'm not putting myself in that position. The UAW recently sent me information to let me know they are offering a Humana Group PPO Plan as an option other than Blue Cross/Blue Shield. The information really sounds great with regards to saving money but I needed to know more about Humana before considering a change. Thanks to all these wonderful people for sharing their experiences, I'm keeping what I have and I'll continue paying for my office visits. Merry Christmas & a Happy New Year to you all.

I am very irritated with this company. I got Vision Insurance with them, because I couldn't afford eye services. So then I ended up getting a job somewhere that offers me vision, and let them know to cancel my insurance. They won't do it, and are taking money out of my account, without permission. I was told that it was a contract, which I never knew of before when I got it, or i wouldn't have signed up. I would like some help with this case, and cancel my account with them. I've never heard of insurance companies making you sign a contract. Please help.

I am going on vacation and need to have an extended pharmacy prescription. The pharmacy called at 11:00 am and said I would have to call Humana. I did and they said it would take about 5 minutes to get it okayed. That was four hours and still has not come through. It is about five miles to the pharmacy and I have been there three times today. You never have any problem taking money from me, but your service is severely lacking. I do not believe the computer is down because it was up and running at 11:00 this morning. Let's have some service when we need it. Less commercials on TV and more on service. Disgusted in Clay Center.

I found this site when I was looking up Humana. I have over 30 years experience in the Health Insurance Industry. I am appalled and sickened each time I read these complaints. From my experience working inside health insurance companies, it seems to always be administrative issues which management doesn't usually care to fix. I was taught a long time ago by a mentor that it is easier to keep a customer than to get a new one. Call Centers that limit reps two minutes to talk to a customer are not the answer to good customer service.

Representatives that just answer the phone and go no further to actually resolve a problem are bad employees and management in companies need to start caring! If someone here needs my assistance, email me and I will see what I can do for you. I have been helping people at ****.com for years with insurance questions. I am not asking for money. I have more experience probably more than any attorney or agent. I have helped write insurance contracts, worked in Customer Service, sales, with agents, PPO networks, every form of Health Insurance. Just makes me mad that people have to go through all of this nonsense all the time. I can't promise you the moon but if able, I will try to help. ***@aol.com

Humana has tried to deny coverage on a weekly basis for rehab recovery therapy at Rae Ann Suburban Center while the patient is recovering from a broken neck. Humana has three times denied coverage and three times an independent doctor has ruled therapy is needed and should remain in place. Humana once again, today, filed to deny coverage for this recovery, causing such a strain and anguish for the family. It appears they are allowed to continue to torture the family weekly until we give up. Someone needs to step up and stop these frivolous denials and allow the patient to heal as the doctor ordered. The consequences could be extremely severe as the attending doctor states if therapy and recovery are denied, any potential fall or partial fall could result in brain damage or brain death.

After being uninsured for 3 years due to a job loss, my husband finally convinced me to apply with his insurance carrier, Humana. After a one hour long phone call going over every health condition I possibly could have had over the past 10 years, so minute like have you ever sneezed, I was told I'd receive a call in a day or two from an underwriter. I never received a call, but after several calls to Humana, I received a two weeks letter detailing the extensive physical exam, mammogram, blood work, urinalysis and fecal occult tests I would be required to have completed, at my own cost, and have all the records, including a full medical history interview with doctors notes forwarded to Humana within 90 days.

I wasn't looking forward to $1,000+ worth of unnecessary medical and lab bills, but I'm healthy and scheduled the appointments. My doctor's office forwarded the records to underwriting. I received a letter after only 5 weeks that they had never received what they requested and my application would be terminated. I called them again and had the doctor's office forward the tests again. In all, my records had to be forwarded to Humana three times. They would never tell me anything over the phone. I'd be told I would receive a call back, never received a call, then receive a not-so-nice letter a week plus later stating that they were terminating my application.

I finally got to the point where I had a final interview with an underwriter. Everything seemed fine to me. The only thing all these tests revealed was that I had a common urinary tract infection, which I had been treated for with antibiotics. A week and a half later, I received a letter denying my application due to my "medical history of urinary tract infections".

If you're thinking about Humana, stop thinking about it now. One treated UTI in probably 20 years ago constitutes a medical history? I don't know how you can get anymore uneducated or just plain stupid than that.

My wife and I are retired teachers in GA. Both of us had issues on Humana dropping physicians with no notice or after election of coverage with the state of GA. We have two choices in the Advantage offering by the state UnitedHealth or Humana.

1. Me-I was being treated for prostate complications by Atlanta Urology, who are the only ones in Griffin.Last year I was informed that Humana was dropping them from coverage. Since the date of election had passed last year, I appealed to the state as an emergency due to the time factor of treatment. It was granted, and I was moved to UnitedHealth. This involved detailed applications.

When I heard this, I went online and changed Pat's coverage to UnitedHealth.

Quickly since 4:30 PM yesterday was the deadline to change. At 4:15pm, I was lucky to get a valid printout of the change. No warning of such action was received by Pat. Only by chance was she able to keep Dr. *** when informed as she left the office.

My wife passed away on February 5, 2010. Humana has repeatedly sent mail to my home since my wife's passing. I have called them and asked them to cease and desist all mails in her name and as of November 14, 2011, they are still coming. I have health issues and don't need their harassment, complicating my health issues.

Both my elderly parents were using Humana Insurance. My Dad was recently awarded 100% service connected disability from the VA so they did not need the insurance anymore. My Mother would be getting Champ VA through my Dad and they would be saving a lot more money. We called Humana and told them of this and they said to call back on October 15, 2011 to disenroll. So we waited a few months and recently called on this date. We were told to fax or mail a letter to their disenrollment department telling them that my parents wanted to disenroll completely from Humana. We did this on October 16, 2011.

We thought everything was fine until Humana wrongfully took money from their checking accounts. Well, we called to ask why and they said they were waiting on our disenrollment letter. Although we sent it and they knew it, we sent it again only to hear from them that my parents are still enrolled, stating they haven't gotten the disenrollment letter. Calling them will not help; they give you the run around. We faxed both times using our public library but the simple fact is Humana did receive the letter etc. They do not want to lose the money so they are making it extremely hard to disenroll from their plan. Warning to everyone that reads this: stay away from Humana insurance. They are rip offs!

Humana doesn't deserve the one star I had to give it to make a complaint. My father had a cancerous tumor on his neck and went to the doctor. He was told to soak it with hot compress and it would go away. Needless to say after two years of fighting, the cancer had gone to a terminal state. His referrals were put off or never given or he got the referral doctor and the doctor actually was not even in. What it amounts to is Humana killed my Dad by denial for treatment. The practices of Humana doctors are criminal, when the doctor gets a very large bonus for every treatment that's declined or blocked.

Humana sales rep comes to my home with high pressure sales tactics. I asked him to leave, he gets up and storms out slamming the door. That was last year. This year I went to a seminar to give Humana another chance, not knowing they are under scrutiny for scaring elderly into signing contracts for a medicare advantage HMO.

Anyway, the same sales agent from the Tampa Florida office was not friendly, would barely answer questions and keep complaining his wife was going to have a baby soon. I asked a question, and he almost yelled at me. Later I called him to ask the same question, and he said I have waited a month for you to sign up and still did not answer me. He basically hung up on me.

My friend is 81 and he was pressured by the same agent to sign up for a PPO plan. I asked if I could stay while he gave his sales pitch and was told no. Now my friend has to go through a lot of stress to dis enroll before it is too late. I tried reporting the sales person only to get the run around at the Tampa office through 813-281-6068. Tony did not take my call. I also called 813-287-6289, and got put on hold, no help. I called the Humana Corp office and Angela told me to contact the Ethics department at 877 584 3539, and all I got was a man who was very intimidating, and no help was given out.

Now, I have to contact medicare, and report them. Suggestion: look up all of the consumer complaints before attending a seminar. I should have followed my gut feelings, and stayed away from them, after my first experience dealing with Rich the salesman.

I am extremely frustrated with the stonewalling I've received from Humana. I received a covered service from my dermatologist on January 11, 2011 (it was covered without any incident for all of 2010 when I was with Humana HMO, and I received the service without any payment delays). The Humana quarterly summary from May shows that it was covered and paid. Yet after getting a bill from my dermatologist in May and learning that Humana hadn't paid them, I contacted Humana and have tried unsuccessfully for months to resolve the situation.

It took Humana three months to finally say that they didn't get the doctors' notes, so they couldn't approve. I conferred with the doctor who faxed the information over in July, and when Humana still claimed in August that they had no information, it was faxed again in August. In September, I learned that Humana was reviewing the claim. In early October, they still hadn't made a decision and it was being escalated to the medical director. Then after that, it was being reviewed by the pharmacy director. Finally, on October 31, coincidentally right when I was calling back in, it was approved.

What has frustrated me about Humana was the utter disregard of their own policies and for the customer. Not only was this a service that was supposed to be covered, but it also prevented me from seeing my dermatologist for ten months, since he was reluctant to do the procedure again without being paid for the prior visit. And each and every time I was assured that someone in Humana was looking into the matter and would call me back, but no one ever called back (except once, in fairness). While I understand that mistakes happen, I don't understand Humana's repeated and unnecessary delays with this claim, their lack of basic customer service, and their lack of integrity in doing the right thing. It's no wonder Consumer Reports rates them so low on their scale of good health insurance plans.

As for January 1, 2012, Humana is dropping a long established hospital and physician organization from the Humana provider list. This action affects me personally because my employer recently switched our group medical coverage to Humana. My physician informed me of this change in coverage one week ago. I have not received any written notice of this policy from the insurance provider.

Humana's action will establish a monopoly of health care services for Aurora Healthcare in a four county area. The action is certain to eliminate jobs for the Columbia St. Mary's Hospital and clinics organization. I wonder if Humana has implemented similar actions in other small town American communities - breaking the back of the community hospital to welcome the large national hospitals like Aurora?

Humana is the worst insurance company that I have ever dealt with. Spare yourself agony by not enrolling with them if you have elderly parents.

I spent countless hours from February to October 2011 trying to help my parents in getting approval for some of the claims which should have been covered by Humana. Not only the representatives, but even supervisors don't seem to be able to get their information straight, so they are constantly giving me conflicting answers. Each time I called, I have to explain the same situation all over again. Finally, we were so frustrated that we tried to get dis-enrolled from Humana, but even to get a simple matter done, a letter of dis-enrollment stating the last day of coverage after the agents promised to send and fax it, we still didn't receive it. As a result, my parents lost the opportunity of purchasing a supplement.

Just now, the agent named Sandra said that I don't have the power of attorney, even though my parents already sent fax to POA, written letters to them asking to grant me to take care of matters for them.

Humana doesn't have a functional system because their representatives are unable to record communications and therefore lacks knowledge of the clients. There is no one that takes charge of what needs to be done. Furthermore, when you are asked to supply them with information, after doing what they asked, they still claim that they never receive what you sent them.

Last year, they have changed the way the handle claims and it seems like a denial is first and then fight to get it covered. What a great PPO even if it's in your network. I have 6k in uncovered bills.

I was denied insurance by Humana. I talked to them on the phone. I am retired and 74 years old. I was in the hospital for a knee replacement. They immediately told me that I don't qualify. Try Coventry. They pay the bills and treat you like you want to be treated. I don't trust Humana.

I have had a bad experience with Humana One Dental. First, the one in the network, Lane and Assoc., wanted to charge us $90.00 each for a full mouth x-ray, that we would have to pay out of pocket. We were told that if we used out of network dentist, it would pay 70 percent for preventive services. We went to our regular dentist that was not in the network for our cleaning. We had to pay the $50.00 deductible, which we did. Our bill, for me and my husband, was $300.00 together. We paid the $100.00 deductible, expecting them to pay $140.00 for the two of us, which would have been $70.00 each. They have only approved $53.90 each. In our dental plan, it is to pay for biting x-rays, and they are only approving a small portion of this. So, in my book, the $107.80 payment is a long way from the anticipated $140.00 that we thought they would pay. We are very dissatisfied with Humana. And I cannot say anything "good" for them. The policy we are insured under is **. Your help will be appreciated. Thank you.

Upon switching to Humana from Aetna, they assured me there would be no wait period if I switched carriers. Three months later, I get a bill for $350 from my doctor that showed Humana refused to pay for a routine physical exam. Apparently, I was put on a 90-day wait period for coverage! I guess the $300 I'd already paid them was a waste of my hard-earned money.

I applied for a Humana One Health Insurance Plan on December 28, 2010. I was accepted with a coverage that would begin on January 15, 2011. Unfortunately, I got sick in February and needed to have a hysterectomy which was done on May 17, 2011.

Humana issued repeated approvals for medical services to be done, and I foolishly thought this meant all was well and the bill would be paid. I first got a letter from Humana stating that my condition was being labeled as a preexisting condition based on a statement I made to the doctor indicating my periods had been heavy. I wrote them to explain that based on their definition of a preexisting condition, I did not have a preexisting condition. Before this could get settled, I received another letter stating that in reviewing my records, I did not fit qualify for coverage and therefore they would be rescinding my coverage, and would not be paying my bill. Their reason for this was that there were inconsistencies between what was listed on my application and what was found in my medical records.

They cited my weight and my having a colonoscopy where polyps were found. I examined the forms and was horrified. I had fully disclosed my colonoscopy and the polyps to the agent. He had told us that he had contacted underwriting and they said that as long as the polyps were not cancerous that it was fine. He also stated that the application had been filed out per underwriting direction. Little did I know he was fibbing, and had also fibbed about my weight. When I sent a letter to both Humana and the Insurance commissioner for the state of Florida, I was told that I had signed a legal document that was incorrect, and that they were standing by their decision. I was told that the agent was being asked to make a sworn statement. I believe this only means he needs to cuss somewhere in his statement. Insurance is above the law.

Stay away from Humana Health Insurance. They are full of surprises and will care less if they drive you to the ground. They have a poor workforce, poor customer help, poor phone service and their website is the worst. Beware of their false promises, they lie through their teeth!

Humana raised my monthly premium to 42% with out notifying me and was auto debiting it from my checking account. They did this for 6 months before I called them and complained. I cancelled my account with them and asked for my money back and they laughed at me. I would have never agreed to the increase because I had a $5,000 deductible already and rarely go to a doctor as it is. I have no preexisting conditions.

When my wife retired on June 30, 2011, the State of Georgia changed my health insurance company from Aetna (a great company) to Humana. I am diabetic and have been for years. My doctor has tried various drugs to keep my sugar level under control. My doctor now subscribes Janumet 50-500, which Humana says is not "on our list of covered drugs".

My doctor has tried other drugs to try to get my sugar level under control, but they didn't work. Humana wants me to use "step therapy" and use drugs which I have already tried and do not control my blood sugar. Humana is trying to tell my doctor what to prescribe for me.

Do not go to the doctor at the end of the year! By the time my doctor billed me, it was in 2011. Humana said they were unable to pay for that because it happened in 2010. While I was fighting this charge, they also put a hold on my spending account. It made it unable to pay for any more bills other than out of my pocket. Their customer service was no help at all. And their website was even worse.

On 01/01/11, I switched from Blue Cross Blue Shield (BCBS) to Humana due to seemingly better insurance at a cheaper premium. I get bills from doctors, hospitals etc., that advise me they are in the network. But Humana only pays as they are "out of network", thus leaving me a co-insurance. I contact the normal number but all they say is they will re-submit the claim. I cannot find anyone who is responsible enough that can look into it and make a decision. I will definitely go to another insurance carrier on the first of the year regardless of cost. I cannot see how they are still in business, but I guess it's because of suckers like me.

I went to see an Orthopedic doctor for knee problems. The doctor advised I would need to have a set of 3 shots to the knee that would be administered by a nurse in the same practice. After I received the set of three shots, I found Humana deemed the claim as "out of network" so I had to pay a large portion of the very costly shots. They said the nurse did not have a contract with them. I asked the nurse and the billing department at the ortho practice and they advised me that she is a part of the practice and under the same tax ID.

When the billing was resubmitted to Humana under the Ortho doctor I saw, they denied the claim saying it was false and they knew the nurse who gave the shot was not covered by them. It was almost like a bait and switch saying the practice was covered but then not one specific individual was not. This incident will cost me about $700. They also denied a claim from another OB-GYN nurse that when I inquired about birth control and the risks due to my age and health, she said we can do an easy test to see if I am fertile. The blood test will cost me over $500 because the way it was coded was shown as a fertility blood work that people request when they are trying to have a baby. I inquired about my health risk taking birth control. Even with nurse's correct blood work order, they still chose to deny.

None of them told me that YOU CAN opt out early for a special reason

First, when I signed up for the optional dental and vision program with Humana in Dec. 2010, I had no idea that providers would be limited. I received their very limited provider list in March, which revealed only one ophthalmologist in our area. I was having vision problems so I made my appointment with that in network doctor even though he wasn't the one I usually see. He identified a significant muscle imbalance that he felt surgery would be necessary to correct it. He referred me to the doctor who does that type of surgery. The doctor determined that the vision problem could be handled by adding prisms to my glasses. After testing to find the correct prescription, they were ordered and I have found them to be very helpful. Since an in network doctor referred me for a service he could not perform, I expected payments to be made by Humana as listed in their booklet. However, I had to appeal nonpayment in writing and talked several times with an individual at Humana before finally receiving, in writing, that they had reviewed the claim and agreed they would pay since I was referred by an in network doctor.

I was relieved and thought the problem had been taken care of. The total bill for three appointments came to $1013.40 of which Humana paid $566.15. However, upon receiving a bill for $427.37 from the office, I talked with their billing department who said that they had to refund some of what Humana had paid by mistake. I ended up talking with the office manager who tried to make sense of what was happening but she admitted that they have had a lot of problems with Humana. Further conversations between Humana and the office still didn't resolve the issue. I called a Humana representative recommended by the insurance office that had signed me up for the policy. She called me after about two weeks and said she would look into it. I have heard nothing further from her. Unfortunately, I do not have the booklets from Humana that stated what they would pay on claims. I threw them out when I received the letter that Humana was honoring the claim. I have been unsuccessful in obtaining one from Humana, the doctor's office, the office of the agent who signed me up for the program, and the Humana agent I called last. So, I don't know exactly what Humana should be paying according to their program last year but I do believe it is more than what has been paid thus far.

I work for a large Orthopedic practice. I deal with lots of different insurance companies. I have to say that Humana is absolutely the worst insurance I have ever came across. Most Medicare replacement plans do not have strict precertification requirements. This is NOT the case of Humana. Beware seniors, you very well may be denied the procedure that your Dr has ordered. It makes me angry every time I see a Humana commercial on TV. Shame on you Humana, you make Seniors think they are getting excellent coverage. Our seniors deserve better.

It is like pulling teeth to get anything precerted, especially epidurals. I have had patients in severe pain that had to be canceled 3 times due to Humana dragging their feet on the precert end. Don't TELL me that that it is necessary, because I know it is not. The other Medicare plans are not like that, I highly reccommend Secure Horizons or BCBS Medicare or America's 1st choice, Actually any replacement plan is going to be better than Humana!!!!! You would think that if a person has worked hard all their life, and are now in their retirement years they would be able to get decent insurance without a hassle. People are being deceived and punished for choosing Humana. If you have Humana, I suggest that you switch plans as soon as you are able to do so!

Human One insurance company has not got my bill correct in over a year. I keep calling and complaining and when I ask for a supervisor they do not pass me to a supervisor, they cancelled me twice by mistake. They lied to me about giving me a supervisor. The person who they passed me to was not a supervisor.

I've been trying to cancel my dental policy since Nov. I've been told it was cancelled yet the payments keep coming out. When I left a message for the customer rep's manager, she never returned my call. I checked online and saw this the cancel date was set on the policy. I just noticed today that the payments are still being taken from my checking acct. I went online and saw that the exp. date was now July instead of February I've left numerous emails with them and I get no reply.

I was in a motor vehicle accident where a lady ran a red light at about 70mph and T-boned me. I was knocked unconscious. The accident and over 3 months I cannot recall anything. This is where it gets bad. No hospital would do anything. Doctors would see me once and discharge me. The only thing I received was a full MRI head, cervical, thoracic, lumbar. There was so much damage shown on just this I still can't believe how illegal it was to discharge someone that had so much damage.

I come to find out Humana had did a few things that I didn't know about. At first they were telling doctors that they were not going to pay and so my appointment would be canceled. Humana somehow made themselves secondary payer and the car insurance companies primary. But nobody will take Humana medicare but I still had to go in their PPO'S. I for over 1 year have begged, pleaded with not just Humana but doctors. Medicare itself, anybody who would listen that I have a severe head injury that has made me a vegetable, or a full blown Psychotic episodes. I am legally blind since accident. I have not been able to see but blurred objects and the world never looked right. That's just part of problem.

I not getting any medical care. Have lost my mind and i'ts because I found out what Humana is doing to me. I cannot last any longer for help. I finally found a place and they told me that they take Humana but always have problems and need approval for Rooselvelt springs. They can fix and rehabilitate what's wrong. I got on the phone and told these excuse me but idiots what I needed and after several people for 3 hours of saying I don't understand what you want from us. Even with a traumatic brain injury, they can't understand. I need you to call these people and tell them they will get paid. I spent months before trying the same thing and oh ya ok. This was a car accident that they threw on someone else but still take their money every month from my paycheck from SSDI. Not only do I need to get into Rooselvelt springs immediately, I want my money back from these people for causing me more damage by taking no responsibility for my health care since May 13, 2010. There is more but I cannot do this anymore. If you can get me help and after I get my head injury addressed, I want to sue these people for more neglect that would take a whole day to tell someone. Please God, I am dying.

Humana is refusing to pay for my pre-testing because my doctor scheduled my pre-testing several days before surgery. They are claiming that if the surgery is not completed within 3 days that I am liable for a co-pay of $100. There is nothing in their literature that is available to the public that states that. I checked with my agent and he has never heard of such a ruling.

After my first request for renewal, I was sent a letter stating that they agreed with me and they credited my account for $50 and then debited it for $50. Nobody can tell me what this was for. I have just sent in my third request for review. They are just trying to rip me off as most insurance companies are only interested in making money and not paying claims. I am disgusted with Humana. It is impossible to get any info by phone as nobody really knows what they are doing.

Someone has to do something about these health insurance companies ripping us off. I had to go to the ER because I was hit in the leg by a batted softball. The pain was beyond belief. It left a 16-inch hematoma from my thigh to my calf. Not knowing if I had broken anything, I went to the ER. Six months later, I get an ER bill. When I called Humana, they said that the hospital was in the network. However, the doctor who treated me in the ER was not. How is this right? First of all, she was the only doctor on duty and secondly, it is the emergency room that our insurance covers 100%.

Well, they paid the hospital 100% and were classified as an emergency by Humana. But what choice do we have regarding the doctor who works in the ER. I called the hospital and she told me that they have been fighting Humana for the whole 6 months since if the facility is covered therefore the attending ER physician should also be covered. If the hospital can't get them to pay then how can I?

I am pursuing this because it is something I desperately need to improve my condition. In 2000, after complaining of a headache for exactly one year, I suffered AVM that then caused a massive stroke. I had surgery on my head to repair the injury. I was left with paralysis on my left side, severe spasticity and spinal stenosis. My doctor said that botox injections would help the spasticity, by numbing the nerve over my muscle and causing that muscle to fire up. I've had this procedure done before, it did help with my therapy. Without this procedure therapy is impossible. It would also alleviate a lot of the pain in my arm. Humana continues to deny the procedure. I know my rights. I have the right to effective treatment. It's not like I want this treatment for cosmetic reasons. I am trying to get my life back on track. I am fifty years old. I just returned to school, to study so I can help stroke patients in their rehab. I really need this treatment. I do not know where else to turn for help. I have filed an appeal, I did not have any luck with that. I need your help please. Thank you, Eunice **.

My wife died of cancer and Humana continues to deny legitimate claims. On the day of my wife's last surgery, the radiologist used during the surgery was not 'in-network', so they will not pay. How does anyone know during an emergency surgery if the doctor is 'in-network'? I have submitted an appeal, only to have it denied, twice. If you are sick, you better hope you have better insurance than Humana. For a policy with a $500 deduct, I have already paid over $18,000 out of pocket and $1,800 to retain a lawyer.

Humana has drained my pocket for years and I have received poor coverage. Through my employer, I am offered healthcare benefits from Humana. For myself and my 3 kids (not my husband, family premiums for 2011=$1267/month) I pay $141/month with my employer contributing another $350. For this, I pay a $40 co-pay for all regular doctor visits, $200 ER co-pay and they will not pay until I reach a $3000 deductible.

Twice this year, I have tried to fill prescriptions for my son and had to fight with Humana's claims department. I have 2 other children and have no issues receiving benefits. Just today, I went to get a refill on my son's prescription and was told that due to my plan change on November 1, 2010 that my prescription was now $25 more than last time. For the record, last time was November 10, 2010.

We are currently in the open enrollment process at my employment, so please tell me how my plan changed on November 1, 2010. My open enrollment states all "rates and plan were continued through December 31, 2010. "I have received no notification of a plan change and I thank God that I am able to drop Humana for 2011. When contacting Humana, I was transferred so many times that the office closed by the time I was directed to the correct office, which has happened in the past. I believe this continue neglect for customer service, especially Healthcare, is despicable.

Humana has cased my son to receive his medication at a delay. My son has suffered with an ear infection without medication due to Humana's lack of customer service. They have caused my family time and money for their lack of communication between departments.

They took a total of $254.14 out of my bank account without my permission. I notified them in February 2010 to cancel my policy and they said they did it, but they continued to take the funds out. I finally had the bank refuse their request for payment. I sent a letter on November 1, 2010 to the Grievance Department to no avail. They are putting a financial hardship on me by not returning my "stolen" money. Is there any hope at all this can be resolved?

I am in dire need of a spinal fusion surgery. After over 5 years of conservative treatment, my pain has become intolerable, and my pain management doctor said there is nothing else he can do for me. I have seen 3 spine specialists and all have recommended a 1 level spinal fusion. I attempted to schedule my surgery 2 times, and have had to cancel both times, because Humana says I do not meet their "criteria". Ironically, I have worked in the medical field for over 15 years, and have always paid for health care insurance, which has gotten me nowhere! I am in excruciating pain every day, and this has reduced my quality of life hugely.

I have had the same job for 4 years, and have had good attendance, until recently. I am afraid I will lose my job, and everything else that I have worked so hard for. I don't understand how insurance companies are allowed to do this to people. It is sickening that people are suffering, and have a "way-out", but the insurance company determines their fate. There must be some legislature that prevents this from happening. This is unacceptable.

I have a problem with Humana Insurance. I was laid off from my job in November of 2009, and not offered any form of continuation until March of 2010 from Humana. I asked my company multiple times (via phone and email) for continuing insurance information and my former supervisor was not sending me the information, but told me that I will not lose coverage.

Humana sent me something in March 2010, which states that I could then choose to continue coverage with them but I would not be eligible for a discount because I did not fall into the category and because of the time I received the document. They also said that they would continue coverage for me but they were going to make it retroactive back to November 2009. If I did not want to continue coverage, they would make me pay everything since November. Humana also stated that I could choose not to continue coverage through my company and not pay anything more but could start a new coverage with them. I chose not to continue coverage with Humana.

My previous employer was asking me to begin paying for insurance as of June, and then stated that if I did not want to be covered, then I would not have to pay and would lose coverage. This is obviously later than the 10 days I understand to be offered continued insurance. I feel very lost and that I have been had by Humana and my previous employer. I was not aware that a company could make anything retroactive up to 6 months later, and was offered to continue and pay (more than I could afford being unemployed and missing the dates for discounts) or come up with the money if I did not continue to pay for any service done during the time I thought I was covered.

Also, my previous firm and Humana were telling me to pay different amounts and to different people. I have documentation to back all of this up. Humana is getting refunds for prescriptions and services I previously received when I thought I was covered and I have creditors now contacting me.

My prescription drug health plan is with Humana. It is a group policy for retired employees from Iowa State University. Many of my prescriptions are filled by mail order from Humana's RightSource Pharmacy. I had a prescription for Optivar. But I did not plan to get any more refills from RightSource because the co-pay was very high. And taking advantage of rebate programs, I could get the drugs from other sources for substantially less money. However, before I moved my prescription to another source, I decided to check one more time for the co-pay for Optivar on the Humana/RightSource website. I logged onto the website and was pleasantly surprised to see the co-pay listed as zero (This is not uncommon - some of my other prescriptions have a zero co-pay). I assumed the drug must have been reclassified and so I ordered a 90-day refill.

Several days later, I received a 90-day supply of the generic substitute Azelastine and a co-pay bill for $94.73. I did not have a problem with a generic, but I had a big problem with the $94.73 co-pay when they had listed it as zero. I called Humana to find out how I could return the (unopened) drugs and get a refund. I talked with 4 persons. The first person said they did not accept a return unless they made an error in the prescription. She transferred me to a second person in the pharmacy. In the ensuing unpleasant discussion, she told me the same thing and did not consider an error in listing the price to be their problem. She said that the co-pay listed on the website was only approximate (she apparently felt that zero dollars was a reasonable approximation to $94.73).

I asked to be transferred to customer service. After some reluctance and my continued insistence, I was transferred. I talked with 2 persons in customer service. Both were reasonable but could not help me. They advised me to register a complaint with Humana Grievance and Appeals, P.O. 14165, Lexington, KY 40512-4165. As a side note, I ordered a 90-day refill from RightSource in November 2009. The cost was $74.12 for the non-generic Optivar. Now they want $94.73 for a 90-day refill for a generic substitute. I believe that this is a clear case of price gouging.

I took my wife, a registered nurse of 18 years, into the ER for chronic pain, radiating in the lower back and down into the front groin area. She was unable to move from bed when she woke up. She was examined and given a CT, looking at the possibility of kidney stones. Nothing was found. Some drugs were administered to relieve the pain and discomfort. Two weeks later, she finally came around from whatever caused this problem.

Humana has denied the claim, stating that this was not an emergency. Now the hospital, which she is an employee of and which offers only Humana insurance which we pay for, has told her we can pay the $6k or they will garnish her wages. Humana has stated that we may appeal their decision.

This is a very tough economic time for us as I am unemployed and pick up work as I can. We are both hard working and have never had any problem like this before. Now, we are being told to pay up the $6,000.00 or face wage garnishment. We can not afford to do this and Humana still will not pay.

I took out a supplement policy with Humana the first week in March 2010. I received my packet and my card and it was to go into effect on April 1, 2010. On the day of April 1, I received a letter saying that my policy was cancelled. The next day I got a letter saying "Welcome to Humana". I have made numerous phone calls trying to find out what was going on. I finally found out that my application was filled out incorrectly, and the only person that can correct it is David **. He has made all kinds of promises to fix it and says "I will call you in a few days" and I never hear from him. I have gone over his head and no one returns my calls. I have been without insurance since Feb. I need someone to follow up on this and call me, please.

Humana is supposed to be my mom's Medicare Part D prescription plan provider. They no longer accept co-payment for her Caduet (now over $500 for a 90 day supply) or Plavacid. She has a documented allergic reaction to generic drugs. Even with letters from her doctor and multiple phone calls, they refuse to assist. She's only on these two drugs and otherwise a healthy 80-year old. My mother is not going to take her medicine; she continues to try to get samples from her doctor. I am in the process of finding a better Part D provider.

I was convinced by an old friend, Mr. Harold **, who represents Humana Health Insurance as an agent to purchase, a Humana One Insurance policy for one year. He assured me that it was a great policy and I needn't work about anything in case something happened to me medically since I was only covered by a discount policy. I filled out all necessary paperwork with the guidance of Harold and was subsequently interviewed over the telephone by a Humana representative. I was shortly approved by the company, yet didn't receive any information packets. I was told that the policy would begin on September 1, 2009. On that date, at approximately 2:00 A.M., I, unfortunately broke my foot by walking into a closed bathroom door in the dark.

Not knowing that my fiance had closed the door, I was unaware of the situation. Needless to say, this was an accident that caused several metatarsal breaks, from which am still recovering from, since it cause so many other complications. After I exhausted my $1,000 out of pocket expense, I was suddenly under investigation by Humana according to the EOB's that were mailed to me.

In October of 2009, I had become very ill with such symptoms as stomach pains, upper and lower GI pains, vomiting, nausea, diarrhea, all of which were checked by a Dr. Michael **, of Boca Raton, FL. After putting me through a number of tests, he admittedly said that he was not able to make a diagnosis. He stated to my fiance, also a physician, and myself, that he did not know what was wrong with me and was just going to make the diagnosis of 'irritable bowel syndrome' or IBS. I have had this a long time ago and stated to him "If I have IBS, why am I not responding to the medications you prescribed, specifically for that illness? " He told me that he couldn't help me anymore and did not refer me to another doctor to help me. He then stated that he was a concierge doctor outside of his GI Humana plan, and that if I wanted to continue to see him, I would have to pay him in cash. In the meantime, my health deteriorated.

At the same time, I found out that after Humana paid my claims, they rescinded all payments and notified the doctors to charge me their regular price. I am knee high in medical bills and cannot believe what they have done to me. I have read several articles that this was Humana's practice and that I was not alone in this situation. I became so ill, that I went to my PCP with my symptoms. He disagreed that this was IBS and said something else was going on. I eventually went to an emergency room one night with horrific pain and again, was left undiagnosed and released with pain meds.

Eventually, the attack of pain occurred again, with significant acceleration. I went to the ER again and again, was dismissed without a proper diagnosis. On 2-23-2010, I went to see a surgeon, by suggestion of a friend. I was again suffering from excruciating pain. The doctor thought that I was displaying symptoms of gall bladder malfunction and had me admitted me to the hospital. Prior to operating, he brilliantly decided to scan my chest via CT scan and found what looked like a pulmonary embolism. I was then placed placed on several IV's including Heparin (a blood thinner), antibiotics, and meds for hydration.

I stayed in the hospital for 4 days and was released without having had my blood levels in a normal range. I went to my primary care physician, who is furious about what happened to me all this time and the lack of medical attention that I received. He now has to regulate my coumadin, another blood thinner, due to the negligence and lack of definitive diagnoses of all the other doctors and institutions. Finally, the point of all of this is that Humana is rejecting all claims and sticking me with what appears to be doctors bills amounting to over $45,000. I wasn't even notified by them until I recently was able to log into my account. I had been locked out for months, despite phone calls and complaints. I have been under so much stress for Humana's reversal of their payments that it has turned my life up side down. I am constantly nervous and and scared to even see a doctor, knowing that Humana will deem it preexisting, as they have everything else. I have stopped treatment for my foot and perhaps have permanent neurological damage. I walk with a limp and need the use of a cane. Although my GI problems got better after the hospital stay, they are returning now from the emotional distress being inflicted by Humana.

They forced and rushed to complete an application and exam with very limited information offered on behalf of the agent, Humana, and any third party. They refused to accept a formal written complaint or accept a written request on my behalf to no longer hold my private information previously submitted on my behalf. No damage resulted. Please hold my contact information for future use with other US citizens who are harmed by this company.

One day, I have coverage and depending who answer the phone, I do have coverage. They sent me a card that enroll with someone on the phone. They mess it up than my card drug coverage but when I go and get my medication it's another story. The people at Humana do not know their jobs or they are cheating us. Is this the only insurance as a Senior with disability?

On September 27th my father was in a motorcycle accident in Streator, Il. He was taken to St Mary's Hospital in Streator. From there he was flown to St Francis Trauma Center in Peoria, Il. He had extensive head injuries and he passed away on September 28, 2009. Since my parents are older I have been taking care of getting all the bills taken care of. And let me tell you it has been a nightmare!

It has been almost 6 months and the bills are still not being paid by Humana. Now my mother is getting collection notices on some of them. I have called numerous times trying to get some answer as to why Humana has denied payment and all I get is that they need a referral from his doctor. I have spoken to his doctor's office; their Ins liaison called Humana on February 22 and they were told that everything should be re-submitted and it should go through. To give them 30 days to re-process everything that was previously denied. So I did. I called on March 22 and I am still getting the same run-around. They still say that they need a referral.

I have been told by friends of mine that they are dealing with the same issues with Humana and them paying for out of network claims. If anyone out there has any suggestions or have dealt with the same issues and have a solution, please contact me. I am at my wits end!

Yet another problem with Humana has surfaced today. I am going to be filing complaints with insurance commission in hopes of resolve. I feel they absolutely discriminate on the prescriptions. I had one they would pay for and then they move it to the pre-authorized section of their plan at whatever convenience they want and they proceed to deny coverage for it. I cannot afford the full cost so this is dangerous as it can throw a person into a withdrawal situation (no matter what type of drug it is and this one is not a narcotic. I'm talking about-- it's just costly). They just plain decide they don't want to pay any cost for it. You will also find that under certain plans it is not consistent, meaning they will pay for this med under one plan but not under another (which apparently is the one I have right now).

Now tonight, I called my pharmacy to order a refill of my sleep med and I am informed they had received a letter stating Humana wants $360 back from them for meds filled in November 2009. This is March 2010. It is not my job to police how a claim is filed to a primary and secondary insurance (which is no longer the case now) but why is this just now coming about? I am sorry but Humana needs to eat this mistake it was theirs to begin with and trying to get information from them to begin with on how to use their *** benefits has cost me well over $4000 out of pocket because no one would explain how to use the *** PCA debit card. For one thing, it is your insurance card as well as a debit card with a certain amount on it to spend for medical. But, they also police what you can spend it on. Actually, the employer decides what is okay or not.

Humana is trying to intervene on the medical profession and decide what your diagnosis is and what therapy you should be taking for it. (Can you say put the world on antidepressants? That's all they want you to take or *** med.) I have fibromyalgia and chronic fatigue and neither of those meds works for the condition. I don't care how many commercials they put out there for the new fibro stuff. It's dangerous and a lot of it is off-labeled, like for epilepsy or diabetes. Yet Humana won't pay for Nuvigil because, get this, it's off-labeled and not FDA labelled for fibromyalgia. Talk about contradicting themselves.

It would seem that since I am rippling the waters there they are going to cause problems for me and are going back looking for areas they can decide they don't want to pay or should not have paid or whatever excuse they can find. Well, I will find an attorney to fight this and I will report this to every advocate and insurance commission, and political person all the way up to the White House. I will get a copy of my complaint if they don't stop their madness. Humana just sucks and makes life miserable for people and are only out there to make a greedy hefty way beyond normal profit by harming others, period. I will hope that the investigative process turns up a whole lot of others who did get approved for the med that they are denying me for because they are discriminating against me and whatever else they are violating the HIPAA Act with as well.

I have been taking a one of a kind medication called Suboxone. I have been on this med for around 3 years and have submitted claims to Humana for each monthly prescription. This medicine is $8.00 per pill and my dosage has varied from 1 to 3 pills daily for the duration of my treatment.

I have been paying a Tier 3 co-pay of $70 up until December 2009 at which time I requested a tier adjustment as I am unable to find work and am experiencing extreme financial hardship. After many calls and letters from both my doctor and myself, they granted the tier exception at the direct request of my doctor. They promised to reimburse me the difference of my co-pay for all of 2009 but when I began pursuing this, I have been ignored, deferred, given conflicting information and treated like a criminal by everyone involved.

All correspondence and phone conversations reflecting this negligent treatment and inability to follow through with promised reimbursements have been thoroughly documented on Humana's customer service database. The few employees who have been helpful were embarrassed and shocked at the way I have been lied to and ignored by Humana as evidenced by the chronology of documented conversations and correspondence noted when referencing my file.

Almost 50 phone calls and close to 24 hours of cumulative time spent talking to this company and I am still not making any progress toward what Humana still admits I am entitled to. The reimbursement is estimated to be between $500 and $1000 payable by mailed check to me.

My wife is on a maintenance medication routine for her to deal with crippling fibromyalgia. After 13 years of battling, doctors found that Lyrica actually helped my wife in ways Gabafenton did not approach. We moved to Texas and we had to get a new health plan. She is on SSDI. Not only did Humana refuse to allow my wife to continue her prescription for Lyrica because of a step-up program they supposedly have, they did not give her any medication to deal with her symptomology or to control her fibromyalgia.

My wife suffered through 3 weeks of having to get on to a new healthcare plan because for January 2010, it was already paid to Humana. She suffered horribly, in a condition of withdrawal and the symptoms which I had not seen in about 8 years. She couldn't sleep, lost her appetite, was extremely depressed, and it hurt so bad she couldn't sit, stand, or lay down without absolute pain. It was at least an 8 on a scale of 1-10. As far as I am concerned, medically this is not only irresponsibility but it is a gross negligence and possible grounds for malpractice.

As a former employee forced without any option to be consumer driven, I accepted a high deductible health care plan. These are junk designed for the carriers benefit. Still walk with a broken finger today because the deductible would be $1,200 and I was employed by such crap insurance company before our lay offs.

We purchased a policy in Utah a year or so ago. We didn't realize that Humana had not been in the State for very long. I guess they have been here longer for Medicare. Anyway, my wife went to the doctor and found out that she was suffering from ovarian cysts and needed them removed. Humana refused to pay anything claiming that my wife had taken a medication five years ago that might have been related to problems with her ovaries. I found out later that Humana does what is called "Post-Issue underwriting."

I guess most companies do underwriting up front to assess the risk of a potential customer. Humana does it after you have a claim so they can take your money without you knowing whether or not you are covered. That should be illegal. The broker that sold it to us does not really work for Humana so he couldn't help and Humana claimed it was his fault for not explaining everything. I can't blame him although another agent said brokers get big commissions for selling Humana. I guess if you don't pay claims, you can do that. We have paid thousands of dollars in medical bills and have finally settled with the hospital.

I have been a Humana Healthcare participant for awhile. However, to my surprise yesterday, 1/5/2010, the doctor's office called and left me a message to call them back immediately. When I called them back, they told me that they were unable to get the referral for the medication (Reclast) that I was supposed to be getting it today (1/6/2010) at Dr. S. office.

Called my doctor immediately and told them I have not changed my primary care physician and that I do not know who put me with Continucare MDHC Parkway, which I have never heard before! January 5, 2010, called Humana and asked to tell me who decided to change my primary physician to Continucare Med Association of Miami that I have never heard of. They said it was a mistake! Now, my question is supposed that I did not find out of their mistake until after a few months, what will has happened? Why Humana does not care of their clients? Why there was never a letter letting me know of this change? Is this the way that the HealthCare Industry is taking care of their clients? Scary! It would have been devastated for me to find out that someone decides to change my doctor without any reason and without letting the patient know of this change.

On or about July 30,2008, I called Humana to get authorization for a mental health issue. I was either given a number or connected to "LifeSynch", explained problem, they gave me an authorization no for services, the counselor & psychiatrist both both called and verified before treating me. The counselor has not been since July, they never told me they were not paying, the counselor had to tell me.

Humana then claims they do not use LifeSynch and haven't since Jan 1, 2008, then last week they said, Oh yes we do use LifeSynch for the state of Florida, today they are telling me no they do not use LifeSynch, I called them twice last week was ultimately transferred to "someone who would be able to help me". Twice last week I got to this point and was disconnected.

Today I called again twice and was again told I was being transferred to "someone who would help me" and was disconnected again both times. They refuse to give any other phone numbers or persons to contact to straighten this out. I have submitted a complaint thru medicare & CMS. Further, my counselor has spent over 3 hours on the phone with them to no avail.

Their billing dept. is a total failure.

I mailed in my premium and two days later rcvd a rate hike of $100 and I'm never sick. I cancelled before the start of the new month asked for a refund (which they said was mailed a week after I cancelled, but later they said no one mailed and the person who was supposed to select the d/b function to have it mailed it out didn't). It has been two months - still no refund as promised.

They said time and time they dropped the ball, but have to 're-research' AGAIN why I didn't get a refund check. They even said the post office might have stolen it. I have a locked mailbox so no one could have taken my mail. And, "yes! we will mail you a new one asap". I've escalated it to HQ in KY and they said they have to start all over and re-research it despite all the four call logs stating I should get a full check refund.

**NEVER USE HUMANA**

I can only imagine the billing nightmare the docs/hospitals are going through - I cannot get my $ back for just a *one* month premium refund. Humana should not be in business if they cannot get their billing dept. in order. Billing staff not competent.

Then a week later I received a second mailing from Humana insurance that said this is your 2nd chance don't wait sign up to day. What is hard to believe is that so little traing on customer service has been given to the people who answer the phones at insurance companies. I now feel that I will need to go with out insurance untill I reach the age of 65-I mainly just wanted people to be aware of the stupit answers the insurance companies are allowed to give out to the public and not be held accountible.

We have lasted about a year with Humana insurance..we can't take it anymore. Constant rake hikes, riders, denied claims and rude service leaves me to believe Humana is one huge scam. My daughter has been insured under humana since she was 3 months. Almost every month she's alive, they send us a rider with ANOTHER something they aren't going to cover. My wife is on the same plan too. She had some pre-exisitng conditions we agreed to waive. After she had thyroid problems arise and tests were taken, Humana has now denied to cover ANYTHING dealing with the thyroid. Apparently HUMANA is full of DOCTORS!!? And THEY DECIDE who gets help and who doesn't, even though I pay them almost $300 dollars a month. NEVER use this corrupt company.

My 14 month old daughter has been covered by humana since after birth, and she needed a tubal ligation. After getting the procedure done, Humana denied my claim, claiming a pre-existing condition. I do not know how a 14month old baby could have a pre-existing condition, as this is her first experience. Not sure what to do.

After over 60 phone calls regarding the same doctor, cost, and the same doctor's address, I have nothing more to give to this situation. I've lost a lot of money. But, more importantly, I've lost the small amount of pride I had left within myself.

In late April of 2007, I applied on behalf of myself and my then 8-year old son for health coverage with Humana. I received my first letter acknowledging my application on May 2, 2007. The underwriting information originated from Waukesha, Wisconsin. I signed the agreement effective May 1, 2007, and at that time I was 49 years old.

In that same packet of information that I signed and faxed back on May 2, I read in the "Additional Information" pages the underwriter's comments regarding the health status of me and my son, Jesse. The comments regarding my health status were based on a thorough checkup and revealed no abnormalities. Moreover, the only medications I had taken in the past 24 months were penicillin as needed for dental work. The comments regarding my son were based on a normal school checkup in 2006, and the only medications he needed were miralax (over-the-counter) and antibiotics for an ear infection.

No additional medications were needed within the last 24 months prior to our signing with HumanaOne. The whole point of this rendition is to establish that we were, have been, and still are, healthy individuals with no history of excessive filing for insurance benefits. My "conditional receipt" was for the initial monthly premium of $247.98, applied upon approval of the policy. Again, I am still referring to the May 1, 2007 effective date and the May 2 packet of information faxed to me and then faxed and mailed back to them.

I received a letter from HumanaOne dated May 17, 2007 regarding an "application update". In it I was told that my application was approved with modifications, and that I had two days upon receipt to acknowledge the modifications by my signature. The modifications in the form of an amendment stated that my monthly premium would be increased to $343.90, and the reason given for the "rate up" was "due to body build". I was already committed to this plan, so I signed the amendment effective June 1, 2007. This represented a $95.92 increase from my conditional monthly premium four weeks earlier. Curiously, I had the same "body build" those same four weeks earlier.

In 2008 I noticed that my monthly premium had increased from $343.90 to $390.68, with no prior notice and no reason given. I called and spoke with an individual in the system who could only tell me that the reason was due to me turning 50 years of age (like I really had to be reminded). I accepted that and informed my husband that the automatic debit would show an increase every month by $46.10. In 2009 I again noticed that my monthly premium had increased from $390.68 to $443.94, indicating a monthly increase of $53.26. When I called to ask why I was told simply that I was a year older, and that each year the premium would increase due to that.

During the past 24 months I have not submitted a single claim for myself. Please see the documents submitted by hard copy to show this.

During the past 24 months, I have submitted four medical claims for my son, (doctor's visits) which totaled $278.30. Of that total, HumanaOne paid $20.09, consistent with our deductibles. Also during the same 24-month period, I submitted claims from prescriptions for my son totaling $91.02. The plan paid $00.00, but consistent with the agreed upon deductibles. I am a housewife with my husband as sole income for the three of us. The economic impact is not just significant now, but as I understand from communications with the company, plans to impact us more in the future.

My point is this: my medical and prescription needs have been zero for the past 24 months, yet it is my increasing age that supposedly triggers each yearly premium increase. My sons claims have been for normal causes for a boy his age, and not significant by any stretch.

My complaint is the rising monthly premiums assessed each calendar year with the reason being my age. My age has not contributed to one cent in claims and thus not one cent in cost to HumanaOne. I will inquire with appropriate authorities to see if this falls under insurance abuse or age discrimination without cause. I am a housewife and my husband is the sole source of our income. These ever increasing monthly premiums, assessed each year, impact my family and seemingly for no acceptable reason.

For your information, the online information supplied notes HumanOne Tennessee, and the hard copy Explanation of Benefits originates from Kentucky. Again, underwriting originated from Wisconsin.

Any help in the form of a justifiable cause for this financial impact or to have HumanaOne give one will be greatly appreciated, and feel free to contact me by phone, letter, or email. Contact names of those with whom I spoke and those who sent letters can be provided upon request.

I enrolled with Humana One in December of 2008. In April 2009, I visited my new physician for the first time. She proceeded to give me an EKG and ordered routine blood work as this was my first visit to her office. Shortly thereafter, I was informed by Humana that I had to wait another 30 days before I could have the blood work done. If I did not wait, it would not be added to my $7,500 deductible. After getting the results of the blood work and a subsequent visit, I received a letter from Humana telling me that my coverage was under review due to a condition that had not been previously disclosed. When I had seen the doctor for the first time, my blood pressure was rather high. Later it was confirmed by her that this was due simply to "white coat syndrome". When I saw her again, it was well within normal limits. She claimed that she had not "disclosed" anything out of the ordinary to them, and that I was perfectly healthy.

The blood work did reveal that my LDL Cholesterol was a bit above normal. She suggested I try and bring it down through natural means. I then received another letter and a form requesting medical information for the past five years. It requested the date of every doctor's visit, and the outcome of each visit. I told them that I had furnished them with all my medical information for the past ten years, as well as my insurance information for the same time period. I told them I had nothing else I could give them and that if they were not satisfied with what they had, that they should just cancel my insurance. About a week later, I received another letter stating, "We have canceled your insurance as per your written request." In reply, I sent them a letter requesting to know just exactly what the doctor supposedly reported to them to have my insurance canceled. Their only reply was to say that they had not said I had a "pre-existing condition" that it was simply an "undisclosed" condition and they had to know whether I had ever previously been treated for it. Perhaps I have a strange perception, but that sounds like pre-existing condition to me. As a result, I am now without medical insurance as well as out the six months of payments to them.

I received a letter in the mail from Humana One stating that my premium will be increasing in July 2009 (imagine that!). And of course I had to call them to figure out an alternative solution to my health coverage since I am self-employed and paying out of pocket for myself, my wife, and my daughter. And come to find out, there was nothing that I could do to change my policy. And I asked the question "can I go ahead and add maternity coverage to our current policy since we are going to be trying for a 2nd child in the near future?" I advised them that I received a letter in the mail in the past stating that I could add this on at any time but I could not locate that letter anywhere and of course the representative from Humana had no record of this letter in the system.

Well I guess Humana has recently decided that they are no longer accepting maternity coverage cases as of April 2009. So now my wife and I have no idea what we are going to do... we know there are insurance companies that are out there that will cover maternity cases but you have to wait 12-24 months before you are even covered. Well we do not want to wait that long. Speaking of waiting that long... while i am typing this I am on hold with Humana trying to speak with another representative because I have been transferred 3x for some unknown reasons!!!

In April 2008 I was working in Louisville after relocating from Virginia in September 2007. I was enrolled in the Humana-One healthcare Insurance and had not used my insurance for FOUR months since enrolling in December 2007. I had tremendous problems with eye allergies in April 2008 in Louisville and went to see a doctor at the Norton Health care. The doctor then submitted his bill to Humana for payment.

After THREE months they informed me that this was a PRE-EXISTING condition and they refused to pay the doctor. I asked them to call Dr.P in Virginia as he was my primary care doctor and he would have informed them that it was NOT a pre-exisiting condition, as I had never gone to him in all the time I spent in Virginia for eye allergy problems due to pollen. They never bothered to contact Dr P and I had to pay the full amount of the charges for my appointment with Doctor D.

I had to pay for doctors bills, prescription eyedrops and a cortzone injection. Total cost was over $200. This after I had moved to Kentucky after being out of work in Virginia for three months. I was shocked that the company (Humana) who I had been paying premiums of $180 to, for four months refused to pay for the doctor and they had the nerve to say that it was a PRE-EXISTING condition even though they never contacted Dr P in Virginia and I had never had such eye allergies before.

On Monday April 6, 2009 my mother went to the dentist for a tooth ache she was having and here dentist prescribed a medication. The prescription was called into the pharmacy...the pharmacy then informed her that she did not have coverage. When we contacted Humana her prescription drug provider they informed us/her that she no longer had coverage due to fee payment failure of $40.00. At no point did Humana inform us of this payment. No letter, no call, no email, nothing...to let us know that this $40.00 dollar payment was due.

Prior to Humana increasing their rates my mother had a coupon book that reminded us to pay the monthly payments this year it was never received but billing was done on my credit card in which they had on file. They claimed that they had made a phone call on Mondya, Feb 2nd however my mother has no answering machine and is at diaysis Mondays. Humana never reached anyone at the residence by phone. They claim that in March they notified in writing that payment was due...again no notification was made. What is frustrating that in their records they wash their hands of it because they merely input that they sent out notification and made a phone call but did not reach her?

My mother is on anti-rejection medication, she is a kidney transplant receipient. Many medication she can not be without. Why would an insurance company drop her without verifiable acknowledgement that they were going to drop her as her prescription drug carrier...I do believe that prescription carriers hava a reasonable responsibility to make sure that members get properly informed that they are going to be dropped. What if she had been in the hospital for that time period? I mom will be okay because she has an advocate that has spent hours and days on the phone trying to resolve this matter. Until now...after multiple calls and messages left no one from the grievance and appeals office has returned my call to remidate this matter.

I left no other recourse but to file a complaint. We had to pay out of pocket for her antibiotic and currently working with the pharmacy to make sure she does not run out of meds the rest of the month...she has been re-enrolled in Humana at begins membership again May 1st. But do others really know what a member has to go through in order just to resolve a matter that could have been easily taken care of with a letter of a phone and speaking with the member of a family member.

[My] mom is one of 100's that use Humama and other carriers/providers and I do not want them to not get their medication -because the $75.00 that I had to pay for the antibiotic dentist prescribe some elderly or people on state assistance could not afford it. Neither could we...we just had to do it! I believe someone has to look at the practices of Humana and how they handle such claims. their own policy states that Grievance and Appeals will respond withing 24hrs it has now been 4 days after the message was left to help resolve this matter and til know still await a response.

on january7.o9 the paper they sent me,they said they would give me 120days supply of my 3.meds that unless i exception.4 thoes. would stop.but didnt give me the time they said they would,cut me off after only 30days.didnt give me or my dr.the time to do the paper work needed .to them.and was doing the best i done i last few yrs.with this meds. being dis.abled.i dont given get money to buy out right for my meds. they.just left me out in the cold hard.we trust these ins.with ur lifes:big co.just do at will .

chest pains getting very bad now.loseing my left leg .and arm uses and pain getting wores fast.back pain getting worse every day.getting where cant move much at all.and was doing the best i done i last few yrs.i was getting better.pain was at about a 4. but now already at 8. and going up.loesing what life i had.with my faimly.was going thing myself. but now haveing have help.just getting up and down.going back like was b4 was useing this meds.just hard 2 take now.big co.just doing what they want.at anytime.

I tried to drop this drug insurance in Aug. 08. I called Humana and was told I couldn't drop it until Sept., their open enrollment period. They said Medicare would drop me if I didn't continue with their drug plan. After several visits with my insurance agent, I wrote Humana a letter on Nov. 22 requesting disenrollment, along with my complaints about using scare tactics about my Medicare. Instead of disenrolling me, they sent out a new payment book. I wrote a second letter and hadn't heard anything from them until today. This morning I received a notice from a collection agency in the amount of $69.00

I have NEVER had a credit problem and always pay bills on time. Humana never sent a bill, nor did they ever notify me of payment due. Additionally, they never sent anything acknowledging disenrollment. I will also file a complaint with CMS this afternoon.

Humana has ruined my credit rating. In the two years that I paid for Humana drug coverage, I never had a prescription filled. I have never had contact with a collection agency. I owe nothing to anyone beyond insurance and taxes. All else is paid for. The irony of it all is that the new payment book they sent clearly states that failure to pay could result in disenrollment. Between Nov. and Sept. I called Humana three times and wrote two letters requesting disenrollment.

I received a call from Right Source about a prescription for Androgel. They had screwed up the prescription to begin with,and I questioned why the cost was $1154.00 where I had been paying $40.00 for a month supply, however after talking to three people in Customer service and the pharmacist, and someone at Humana customer service and being transfered back to Right Source I found out that the reasion the cost for androgel was so high was that it put me in to the doughnut hole. Why didn't Right Source tell me to begin with that I was in the Doughnut hole. I do not understand how I got into the doughnut hole so quick?

the documented the findings which documents the need for emergency care.

The doctor and reviewing doctor are not being paid and thus are billing me for Aug 27 and follow up

Thebills outstanding are appx $1,500. I am a retired man on a small fixed income

Despite the fact that Humana claims to cover Chiropracter costs, they did not cover any of my chiropracter appointments. When they refused to pay, I immediately switched to a different provider. This company is unbelievably hard to deal with and their statemtns are impossibe to understand. Stay away from this company!

My daughters medications went up to a copay of $350.00 for Pulmozyme, and over $700 for a copay for TOBI. When I was a member of BCBS I only paid %50.00 copays for these medicines. These two medications are standard treatment for Cystic Fibrosis, but Humana has deemed them as level 4 medications.

There is no way that we can afford the copays for these medications. I am going to end up having to have my daughter hospitalized of this is not taken care of soon.

August 2007 Humanna took my daughter off policy because she wasn't a student anymore, but for the next year insisted she was still on policy and iam still being charged for her. finally in august 2008 some one took the time and finally found the letter they sent me that she was cancelled.

As of september 2008 they showed i had a credit coming of 690.00 for the over charge of my daughter but when they took my october payment out of the bank. they also took 690.00 instead of crediting me so for the last two months ive been trieng to get the 690.00 they took from my accout and 690.00 they owe me for the over charge. for some reason they cant get a check to me so i said apply to nov and dec premium and sent me the extra 85 instead they called me yesterday and said that they only owed me the 690.00 so i owe them for dec payment. they also in may lost all of my records of what i had put towards my prescription deductabe. i called the florida insurance commissioner that time

for a year this company has been taking money they are not intitled to and after a year instead of giving me my money back they take more and wont give it back. my daughter who is 9 months pregnant now was kick off medicade for beening on insurance she really wasnt on and after i finally got some one to find the paper they sent that said she eas canncelled as of august 2007 they stopped the termination. iam not sure what to do and a hundred calls dont seem to help

I have Humana dental insurance. I am supposed to receive 2 cleanings a year. Due to a switch in dentists I had not had my teeth cleaned for 2 years. I called the company before I went to confirm coverage. I was told that I did not need prior approval as long as it was under $300. The bill was $170 which I paid and then sent to Humana. I was suprised when 2 months later I received a check for $65.

When I called to find out what the problem was, I was told that the usual and normal costs for my area was $65 and that I should have gotten prior approval !! When I asked for their source of this information I was told that they get their rates from an independent company. I asked for that company's name and was told that it was confidential !! Seems they just make up whatever amount they want, otherwise it should be available to the consumer. What's up with this ?? Beware !!!

I am planning on filing a complaint with the state insurance commission but it will probably just be added to the file. It just doesn't seem to me that they play fairly. First, I was told that I didn't need prior approval. Second, I was told I should have gotten prior approval. Third, They won't even give me the source of information that they base their rates on. Bad Business !!

What I was told and what I received were two different amounts. It cost me $105 out of pocket expense.

i had open heart surgery nov 6th. when i went home nov 10th i filled a prescription for a sleeping pill for 10 days. i followed up with my surgeon on nov 14th aat which time he decided i needed more sleeping pills.

after the pharmacist spent 2 hours on the phone with multiple levels of idiots at humana i spent another hour.

The bottom line is that they will only fill this prescription every 23 days regardless if your first prescription was for just a few pills. Can you imagine how much the healthcare industry at humana spends denying a $5 prescription?

i was left without sleeping medicine for 2 weeks.

The Humana Customer Care Agents are poorly trained and barely spell their own name. They just will argue and try to talk over you. They will not pass a call onto their supervisor, and they will disconnect the call if you ask to speak to a supervisor.

Secondly, their mail order pharmacy service will not answer the phone. I have been on hold numerous times for over an hour before I finally hang up. I have yet been able to get the mail in pharmacy. Humana will not do anything about it saying that they are a different company and they cannot do anything about it. The Humana Customer Service Associate will disconnect you if you ask to register a complaint with CMS or with their company. This is on several occasions, and not a one time incident. Today, this is my third attempt to call in the Mail Order service, each time at one hour. Still no answer.

I cannot order my prescription medication required for my health and well being. Secondly, my prescription will expire, and I will have to go my physician to get a new prescription ... each prescription costs me time and money.

Cited Medicare Local Coverage Decision L23488 - Hyalgan is not approved for Chronic Use - total number of series may not exceed two!!

called the number for medical cms - looked on the CMS Medicare Website

Very useful right decision LCD25820

Agent checked with two supervisors -
with doctors letter patients statements that this treatment works - Aspirin NSAIDS don't YOU SHOULD BE ENTITLED TO

SYNVISC/HYALYGAN EVERY 6 MONTHS

I had knee replacement done last month. I am having trouble sleeping. I have tried 6 different pills and I finally found one that works. When I try to get Humana to help pay for the pills, they tell me that i must take 2 different pills for at least 30 days of each of them before they will consider my request.

What kind of idiot makes rules like this. This would mean that I must go without sleep for 60 days! How would you like to be told this? It appears that it is time for me to change to a different plan, which is what I plan to do.

The insurance co took off my 2 girls off the insurance 21 and 24 with out notice to me in March. They said they were not full time students when in fact I sent the girls college schedule to them twice before this happened. Humana sent a list of kids for St Elizabeth (employer) to remove from the policy because they are not students. Nobody recieved any notification about the kids being taken off the police. Humana still has not enroled the girls as of 8/26.08

They need to reinstate the girls as of March 08 with no interuption.

If you are looking for a good insurance company, please do not waste your time with Humana! Not only are they the slowest processer ever (4-5 months avg.), they are administratively unorganized and take upto 9 months to deny a claim! Not only that, my claim for a prescription drug called provigil (for narcolepsy) was denied by an OBGYN? Go figure!! They are the worst ever!!!

As a result to not getting my prescription dosage increased my overall well being is affected. It is dangerous for me to drive, hard to stay awake at work, and impossible to study for an exam.

It takes Humana an average of slightls over four months to reimburse me for an appointment. I am unable to resolve this issue after an estimated thirty-five phone calls.

I'm spending a large amount of my free tiem dealing with this problem and never getting anywhere. Although this may seem absurd, I usually end up crying by the end a phone call to Humana

My wife was hospitalized and placed on oxygen therapy in October, 2007. After discharge from the hospital a company called Care Centrix-Praxair-Healthcare Services/M-R Medical Inc., Franklin Ave., Waco, TX 76710 started supplying an oxygen concentrator, a conserving device for oxygen bottles, the oxygen bottles, and a nebulizer compressor used in her treatment. Despite the fact that this company is listed in the Humana Provider Directory, both the online version and the Humana 2008 Provider Directory, Texas - Central and Austin Area, Publication R5826_GN86058Z1, dated January, 2008 (Page 93), the Humana Claims Department processed all claims submitted by this provider as from a non-participating provider.

Calls to the Humana Customer Service Dept regarding the status of the provider resuslted in assurances that this was "just a clerical error and would be corrected;" however, no action was ever taken on any of the claims. When we finally filed an appeal, Humana rejected it because it was submitted more than 60 days after the claims were processed. This resulted in non-payment of 80% of first $500.00 in claims submitted in 2007 and 80% of the first $500.00 in claims submitted in 2008 due to the deductible clause in the policy for non-participating providers. Humana finally started paying at the non-participating provider rate of 70% instead of the participating provider rate of 80%.

I filed a claims for surgery almost 1 year ago. My primary insurance already paid, but Humana after speaking to them for the past 8 months on a weekly basis and after 1 million excuses they still have not processed the claim.

I had to pay the Dr. $3000.00 out of pocket.

As you may know generic oxicontin is no longer available, i have had 6 back operations due to back injury, in constant pain, have been on oxycontin for 4 yrs, humana refuses to leave me pay difference between generic price and brand price, usually 25.00 theya were already paying for generic, it would be nothing out of thier pocket to leave me pay difference, 4 weeks after i sent appeal to thier expedid appeals dept,i finally got through to someone at corp i recd call from a jan, telling me i should see doctor for different meds, i had alredy done this the only thing avail are fentanyl patches i got patches now have constant headache and diareha. today i was at local walmart in palmyra pa and complaned to human rep at his little stand! 30 minutes later i get home and get a call from local police humana rep ron told them i threatened him!! i warn eveyone who reads this please do not ever enroll w/humana

As you may know generic oxicontin is no longer available, i have had 6 back operations due to back injury, in constant pain, have been on oxycontin for 4 yrs, humana refuses to leave me pay difference between generic price and brand price, usually 25.00 theya were already paying for generic, it would be nothing out of thier pocket to leave me pay difference, 4 weeks after i sent appeal to thier expedid appeals dept,i finally got through to someone at corp i recd call from a jan, telling me i should see doctor for different meds, i had alredy done this the only thing avail are fentanyl patches i got patches now have constant headache and diareha. today i was at local walmart in palmyra pa and complaned to human rep at his little stand! 30 minutes later i get home and get a call from local police humana rep ron told them i threatened him!! i warn eveyone who reads this please do not ever enroll w/humana

I subscribed to Humana Part D Medicare Prescription Drug Coverage on 01/01/08. On my application I disclosed all the medication s which I take. Two of them are generics and are very cheap, one is a formulary treatment for type 2 diabetes which, according to their web-site and Medicare, Humana is supposed to cover.

After I refilled the prescription for the first time, I received a letter stating that coverage was being denied and that they would no longer pay for this medication. Their reasoning ws that they did not have a record of a doctor's authorization for this med. My doctor promptly faxed them their form, showing that he had indeed prescribed this treatment.

Another denial letter followed with the same reasoning, stating that I was taking more than the prescrbed dosage. Their little phone person said that their records indicated that I was taking 2.4 prescriptions per month, while the prescribed dosage was one per month. They didn't even know that 2.4 is the monthly dosage in Milliliters and when administered in 10 microgram doses, the 2.4 ml lasts 30 days.

The last straw was when I appealed to Medicare and they said that Humana should be covering this drug and forthwith filed a complaint on my behalf. Humana responded that their pharmacy review committee had decided that I should not be taking this medication and thus they were again denying my claim. Thank God I can afford this medicine on my own, since they have moved from insurance to primary care provider and their pharmacists can override my personal physician's prescriptions. Anyone who wants good health insurance better stay away form Humana as they are running one monumental rip-off.

My dad was on Actos for diabeties. He has renal faliure and congestive heart failure. His Doctor took him off Actos and is trying to put him on Januvia. Humana denied the request. They said that his sugar would have to be out of control for 6 months before they would cover the medication. As of March he has not been on any diabetic medication.

We monitor his sugar every day. It is slowly going up. We are very careful with his diet. If it goes up and stays up that long, he will lose use of his kidneys all together. My parents are on a fixed income. They can not afford to pay full price for the medication. This has really stressed my parents out to the point that I am afraid one of them will have a heart attack. Their family doctor has been calling humana and medicare and no one will return his calls.

I was enrolled in the Humana's Prescription coverage and was making payments of $25.50 per month. When the new enrollment started for 2008, I decided to drop my coverage and go with the VA, which I can get my medications and Medicare approved as a drug coverage that meets their standards. I called Humana to find out where I send my letter of disenrollment, and was told by ONE OF THEIR employees to send it to the same address I was sending my payments to. Only to find out later after I contacted Medicare to see if they received the disenrollment from Humana and was told, NO.

So, I contacted Humana again and was told I should have sent the disenrollment to their office in KY. So, off went another letter. A few weeks later, I was contacted by Humana saying I cant disenroll because I missed the deadline. I explained I did and followed one of THEIR EMPLOYEE'S directions. I sent another letter to Humana to the Grievance and Appeals Dept and its been over a month and have not heard a word from them. Today, I received another letter from Humana saying if I don't send in a payment I will be disenrolled from the Drug plan and will HAVE TO PAY PAST DUE PREMIUMS. I have had NOTHING but problems with Humana, their Health Insurance and now their Drug plan. It seems to me nobody knows what they are doing in that insurance company. I would advise anyone thinking of enrolling in any of their programs to think twice if you can get another insurance company to accept you.

On February 26th my wife and I were interviewed by an employee of Humana with regard to an individual insurance policy. In the middle of the interview I stated that I wished to withdraw my application due to questions and answers that were beginning to get complicated. Later I find that Humana has denied coverage for reasons that my spouse has stopped taking a prescribed medication without her physician's approval which is incorrect. It is my position that all information provided should be discarded since the interview was terminated by me. Furthermore, the interviewer had no right to proceed with the application process on her on with a denial of eligibility.

My concern is the negative impact this may have as I seek coverage with other insurance carriers.

I applied for a Medicare part D Supplement Gold Plan on 10/02/2007 with Agent Allen Gaskins. I already had a drug plan with Humana. The Gold Plan was to go into effect 11/01/2007. That is why I waited until 11/05/2007 to have a lower back operation so I would be covered. Somehow Humana got the info wrong and sent me another drug plan card they call Standard Plan. I already had their Enhanced Plan. It is my understanding that it is illegal for them to change a drug plan, but that was not what I signed up for on 10/02/07 anyway!

I signed up for the Gold Plan at that time because that is when it became available according to the Agent, who had been working with me on this for a couple months. It was supposed to go into effect on 11/01/2007 so I would have coverage on 11/05/2007 for the operation. The Agent has complained to Humana, but they refuse to honor it which is a contributing factor to me having to file Bankruptcy. I have my copy of the Policy coded for the Humana Gold Plan I signed up for. The Agent has tried to resolve this with Humana to no avail. What do I do now?

This was a contributing factor to me having to file Bankruptcy.

When I check this on Humana's website, it says that my plan is not available in my area.

The doctors office wants me to pay $236 which Humana should have paid had they honored the policy I pay for but they do not have in my area.

*When you fill a prescription, your copaymentor coinsurance will be: ?5/$30/$60/25%

I recieved this letter in March of 2007 no were in this letter does it say iwill have to pay 100% at any time. Now they are saying i have three stages and I am in stage two now and must pay 100% till I pay $3,850 Then they will lower it. Yet this is not what the letter of March 2007 states.


This is over Half of my wife and my income

for 2006! I have to have an operation in sept. which i'll be paying 20% of the Hospatal and doctors bills. I can not afford my medicine.

I have had Humana Health Ins.since retiring 5 years ago,and Part D Ins.through them for 1 1/2 years.On march 1st,I called Humana and canceled my In. as of 2/28/07.On 3/6/07 another payment was taken from my checking account by Humana for March.On 3/9/07 I talked to A Shawn,who told me everything was ended as of 2/28/07,and gave me a conformation number and told me my payment would be returned.

I called back on 5/4/07 and was told I had to cancel before the end of February to not be billed for the next month. Since $122.00 and $22.90 for part D is a large portion of my $806.10 Social Security check.

I am highly upset by this business practice,since I was not informed of this,I'm sure most other retiries have not been also.March 1st I started with another company at less than half the premium cost of Humana and it includes the part D insurence. I think the older public should be informed of Humana unfair practice.

My parents enrolled in the Medicare prescription plan last year with Humana. At that time, they had their premiums (totaling $101 per month) taken out of their social security. At the end of last year, they chose to go with AARP because it suited their situations more favorably. On 1-12-07, they each received Confirmation of Your Disenrollment letters from Humana. As of their April social security checks, their premiums totaling $101 per month are still being withheld.

I have contacted Humana, Social Security and Medicare during the months of January, March and April. I have averaged about 2 hours per my conversations, and I have been assured each conversation that it is the problem of one of the others but the money will be refunded by some entity at some time. My January calls resulted in the misinformation from Humana that Social Security would refund the money, probably in the March social security checks. In March, my calls resulted in promises that Humana would refund and that someone in their billing department would call my father within the week. The call never came.

In April, I was given information from Humana that it did not have the premiums that social security was withholding and that Medicare would be the one to refund. My call to Medicare resulted in being told that Humana was the one to refund and supposedly Medicare did file a complaint for us although we have yet to hear anything from Humana.

My parents are on a fixed income, and $101 being withheld each month is a large sum to them. If Humana is doing this to even as few as 1000 people nationwide, that $100,000 drawing interest a month is certainly helping that corp.

I did not use the coverage until January 2007 whereupon I found that the co-pay is now $5. and the premium has more than doubled to $23.10 per month.

This is insurance fraud. Humana has deliberately offered a false claim of coverage, cost of premiums, and co-pays. Humana misrepresented the cost of their prescription drug coverage and arbitrarily raised the premiums to more than double the original plan agreement.

I am experiencing economic hardship trying to pay the more than doubled monthly premiums and the arbitrarily raised co-pays for my necessary prescription drugs. I now must balance feeding and housing my family of four with purchasing drugs prescribed by my physician necessary for my health.