Humana Health Insurance Reviews

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?

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!

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.

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 **.

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!

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 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.

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.

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.

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.

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.

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.

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!

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.

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 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.

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.

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!

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.

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.

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?

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.

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.

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.

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

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.

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!

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.

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.

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?

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.

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.

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.

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 wish to make a complaint of fraud regarding the business practices of Humana Part D Prescription Insurance of Louisville, KY. I used their services from January 2008-December 2009. I am a dual, eligible, low income subsidy beneficiary. I have letters regarding my LIS status with Medicare for January 1, 2008-December 31, 2008 and also for June 1, 2009-December 31, 2009. I have been attempting to recover the overpayments of co-pays from 90 Humana prescription claims from the entire calendar year of 2008.

Humana has my LIS information on file for both time periods. I have made numerous calls and complaints to their customer service department over the past 2 years to get my reimbursement money due from them. I have also complained to Medicare several times regarding their business practices. I am on Social Security Disability Insurance. SSA has already sent me refund checks from the overpayment of the monthly premiums. The most recent one was $306.20 on 04/08/2010. Humana owes me over $4,200.00 in reimbursements from 2008.

After a recent complaint to Medicare, a rep of Humana Waterside Claims told me on 05/07/2010 that although they owe me a refund, they would not be sending any to me because they do not have the funds to pay me. He also stated that there is no time period that I could ever expect anything from them. Since Humana will only give their first name to its beneficiaries, all that I know is that his name is Eric and called from 502-476-9010. The ID on this phone number said Humana Louisville Waterside. I have a reference number that he gave me.

I find it incredulous that a company the size of Humana Insurance does not have the funds to refund the money that is due to me. I believe that I am a victim of discrimination and am being abused by fraudulent practices of theirs. They should be reprimanded and dealt with by your department as a result of what they have done with my situation. I terminated my coverage with Humana on December 31, 2009. I have changed to Aetna Part D and have had no such problems so far with them. I anticipate your follow-up to assist me.

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.

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!

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 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 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.

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.

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.

I called them twice last week and 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 through Medicare and CMS. Further, my counselor has spent over 3 hours on the phone with them to no avail.

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 built. 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 built 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 my self. During the past 24 months, I have submitted four medical claims for my son (doctor 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.

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 son's 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 HumanaOne 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.

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 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 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!

I had to pay for doctors’ bills, prescription eye drops and a cortisone injection. The 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. ** in Virginia and I had never had such eye allergies before.

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 which they had on file. They claimed that they had made a phone call on Monday, Feb. 2nd. However my mother has no answering machine and is at dialysis 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 is 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 recipient, many medications she cannot 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 have 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? 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 remediate this matter. I'm left no other recourse but to file a complaint. We had to pay out of pocket for her antibiotic and are 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 that begins membership again on 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 or a phone and speaking with the member of a family member?

My mom is one of hundreds that use Humama and other carriers/providers and I do not want them to not get their medication - because the $75 that I had to pay for the antibiotic the dentist prescribed 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 within 24 hours. It has now been 4 days after the message was left to help resolve this matter and till no I still await a response.

So for the last two months, I've been trying to get the 690.00 they took from my account and 690.00 they owe me for the overcharge of my daughter and 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 deductible. I called the Florida Insurance Commissioner that time.

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 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.

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

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.

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

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

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.

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.

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.

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

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.

*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.

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.

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.