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 bloodwork, as this was my first visit to her office. Shortly thereafter I was informed by Humana, that I had to wait another thirty days before I could have the bloodwork done. If I did not wait, it would not be added to my 7,500 deductible.
After getting the results of the bloodwork 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 bloodwork 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 doctors 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 that " we have canceled your insurance, as per your written request".
In reply, I sent them a letter requesting to know just exactly 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.
Brian of Kansas City, MO May 28, 2009
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!!!
Daniel of Louisville, KY May 3, 2009
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.
Jose of Redondo Beach, CA April 9, 2009
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.
Stevenson of Junction City, KY March 7, 2009
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.
Marjorie of Lodi, CA March 6, 2009
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.
Roger of Florence, MS March 5, 2009
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?
Richard C Gram of Boynton Beach, FL January 20, 2009
I entered Rutland Vermont regional hospital on emergency bais Aug 26,2008 which Humana covered. The attending physcian orded a test Eco Cardigram but the equipment operator had gone home. The doctor ordered me back first thing Aug 27. Humana is refusing to accept this as a single claim. They received a letter from the physician
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
Mark of Tampa, FL December 26, 2008
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.
Sherri of Bradenton, FL December 10, 2008
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
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