Humana Health Insurance Reviews

Humana has boasted last year they are hiring 1,000 veterans. As of today, 11/8/2012, they have laid off some of those veterans. Ironic? Hire then fire. It's good for publicity. And on to exploiting veterans. They had a great initiative set up to help veterans that couldn't qualify for tricare and offered them a program just for veterans. However, it quickly turned into trying to infiltrate the VFW, American Legion and Amvets. They want to go to your organization and they advised you they will help you with getting new veteran recruits if they can have seminar at your VFW, etc. They only want to use smoke and mirrors that they are pro veteran when really they just want to sell Medicare. Way to be veteran friendly. USAA, you are not and USAA, you will never be Humana. Disgraceful.

I was calling around for quotes of insurance. Humana said they needed my debit card info. I explained to them that this was for my ex-husband and our son, and that we were going back to court because he was in violation of the court orders. The following month (May 2012), I am getting charged! I never took out the policy and now I cannot cancel it because I am not the policyholder and yet, they still debit my checking account. My ex-husband and I both have written letters and called in to get it cancelled and still nothing but the runaround. Now I have over 24 pages of correspondence between the three of us and the verdict is they will cancel it when one year is up! So bottom line is they are deducting a premium from my account (unauthorized) for someone else's policy with whomever signed up for it. My mother recently had a stroke, due out of the hospital today. Family is coming from all over, including Canada and I do not have gas money to go see her. Why? Because Humana has charged me hundreds of dollars for a policy I do not own or authorized. Worst company ever! I can't imagine if I did have insurance with them.

I have been seeing a physician at the Primary Care Clinic for a couple of years and it has been a bad experience for the last three years. Today, I was stuck in a room for an hour to the point that I had to leave since the physician never showed up and screened me. A nurse tried stopping me but my frustration level was too high. I had been turned down several times for being 10 minutes late for an appointment. What makes the system right when I have to wait for an hour or an hour and a half to see a physician? My time is as valuable as anybody in the clinic. Therefore I am not going to accept waiting for hours to see a physician to reorder my BP medicine. I have asked many times to either transfer my service to the Schertz Clinic or Randolph and the requests have been denied several times.

In April, I was taken by an ambulance to the hospital; my heart had an abnormal beat. It was one of Humana hospitals. And I was admitted to ICU for two days before they could get my heart back to a normal beat. After two and a half days, I was out. This happened on a Thursday and I was home on Sunday. By Tuesday I received a letter that they were denying the claim because the hospital didn't get proper authorization. Anyway, the hospital never billed me and they settled between themselves. The problem is any testing that was done was not covered so now some of the bills are going to a collection agent. So do I go to an attorney or just pay the bills? The hospital said I owe nothing to them but any testing or doctor's bills are not their responsibility. I have called and emailed Humana for a review and they said I could write a letter again. This is crazy, it’s their hospital and why can't they just take care of this? Guess that's how they stay a Fortune 500 company.

My grandfather was solicited through phone by Humana. Now, he is hospitalized and Humana is the worst insurance. The social worker asked if he was solicited by someone from Humana in Walmart and he said, "No, by phone." The social worker was so upset, saying that Humana does nothing but take advantage of the older people who knows no better and who's not reading the fine print.

This is the worst experience of my life. I specifically told them (at Humana Health Insurance) that I needed orthodontics for braces. They guaranteed that they covered that. The sales agent's name was Chad **. I came to find out that they deceived me into it as they don't even cover orthodontics, only dental. After 6 months of calling, writing letters and leaving voicemails for the supervisor named Tracy ** with extension number **, the case is still pending. All they care about is your money. They can almost see it over the phone, watch you cry, and still not give a damn. They need to be sued.

Long story short, I have kidney stones. Humana had to have pre-certs before I was able to have the CAT Scan. Medicare always paid and never had to pre-cert any condition my doctor deemed necessary. Less than 12 hours from surgery, I got a call from the hospital explaining Humana required a $250 payment the morning of surgery. Really? Medicare had never done this before. I would never recommend Humana to anyone ever. Like the lady in hospital acting said, "We like to see the Red, White and Blue card - end of story." I will be cancelling Humana as soon as I can reach someone via email or phone! Don't let their reps persuade you into something that sounds too good to be true. They are lying to you. If it sounds too good to be true, well, I'm sure you know the rest. Goodbye, Humana. May we never cross paths again! Hello again, traditional Medicare. In 20 years, you never led my astray. I am so back!

My mother was referred to a supposed in-network doctor for x-ray. After traveling to the location, only to find out they were no longer in business, she called Humana and was told there was only two other locations both over 50 minutes from our location. With no further options for in-network x-ray, we drove over 50 minutes to the place directed only to find out this place was a person's residence and that this person was in fact a cardio ultrasound technician, but did not do x-rays. I again called Humana and was told that the other option is not more than one hour from where I was currently and I told them this was not acceptable and that I did not want to drive another hour in the opposite direction.

What Happened: Humana representative advised me that I did not need to keep my traditional Medicare; now all I have is Humana Gold PPO, which I was scheduled for surgery in October 2012. Now, I am not able to have surgery because the Hospital that I was scheduled for does not take Humana, when the Humana representative told me otherwise. Now I am not able to find any in network doctors who will accept Humana, and I no longer have my traditional Medicare. (I later found out). I truly believe the doctors and providers have realized that Humana does not properly train their reps, thus leading the doctors and providers to deny any dealings with Humana.

On Aug 23, I was throwing up for 6 days. Before going to the hospital, I called to make sure they took my Humana. They said yes. I finally went to the hospital thinking a shot to stop the nausea and fluids. But no, they took blood and CT scans and I was told I had cancer and had to be operated on. I was in the hospital for 8 days and when I was released, I got a phone call saying Humana went out of the network after I called 3 times before going. I then had to go back into the hospital for another surgery for cancer and the chemo bills were astronomical. I had a nest egg and now it's depleted. I put in a complaint and I have all the conversations and ref. numbers for them to listen to. But of course, they said everything they did was right. The patient worrying about dying in 2 years now has no money in her account, thanks to Humana. I would not send anyone to Humana. I think there are too many people that don't know what they are talking about. The patients suffer. Now I am broke and I got sent to a collection agency for having cancer. Doesn't that stink? I don't know how they sleep knowing how Humana ruins people's lives. I'm a very angry person that wised up and switched but of course, it was too late. I am stuck with all those bills.

I have been searching for the last month for a physician for my husband. Almost all of the doctors listed in the handbook and online do not accept Humana Gold Plus. This is truly disgusting. My husband has had the same physician for the past 22 years. Are these listings a "come on" to get business? I have worked with insurance and thought this was a good company to choose, but I am not so sure at this point. Since this is now election time to choose another carrier, I am really considering changing. It is unfortunate that seniors have to deal with this mess. Insurance companies need to be held more accountable or the consumer should have more of an alternative.

My mom came to California to live with me. She has Humana Gold Choice PPO. She needed to see an Ortho doctor regarding pain in her knees. I called Humana for a doctor in her network and they gave us one. Prior to her visit, the doctor's office also called for pre-cert and they gave them in-network benefits. On my Mom's first visit, they collected $40.00 and said the balance would be 100%. Claims were submitted and paid as out-of-network. I called Humana and told them the date and time I initially called. The rep pulled up my conversation and agreed that Humana told us our doctor was in-network. The rep said that they would send us a transcribed copy of our conversation and then I could appeal. He said it should take 2-3 weeks.

My mom is 81 years old and they had her sign up to get her prescriptions from a mail order pharmacy instead of Walgreens. She has severe arthritis in her neck and celiac disease. She cannot take any pain meds by mouth so her doctor wanted her to use a pain patch and of course, they would not give her this prescription. She also takes Premerin, which they would not give her the pill form but would give her the cream. Do you really think she would use the cream? This insurance company is terrible! They are hard to deal with, can never talk to anyone and they certainly don't help the elderly out with medications that they need.

We applied for Humana Insurance via a brokering agency. They just asked us a few questions, like if I smoked, my age, etc. Almost a year later, my husband was cancelled because according to Humana, we lied in our application. When we reviewed the application, we found the broker had filled it out with inaccurate info. My husband was terminated effective the date the policy was opened. They will not cover a surgical procedure he had and he would lose his creditable coverage, leaving us with US$45,000 in debt. They terminated him as soon as this claim came in, after they had approved the procedure.

My 91-year-old mother has had Humana Gold Plus HMO for years. She has had so many home problems and finally moved in with my daughter in Braidwood, Illinois. My daughter automatically transferred my mother's Humana. To all of our surprise, there is not a single doctor who will take her insurance. My mother has called your office, was given a list of doctors at least 5 different times and they all say they do not take HMOs. Dr. Raymand **'s office (I talked to Tammy) in Wilmington, Illinois said they would take her insurance for office checkup but if she needs blood work or tests, she will have to pay in full!

I had the direct pay out of my credit card. There are no tricks and no reason for not receiving payment. I never cancelled it. When I started using the insurance, they got scared thinking that my son had a serious heart condition because the doctor sent him for some test. As soon as they got the bill two months later, they sent a letter for cancelation of my insurance for no payment. How could this happen with direct payment? Impossible! What really happened here was they thought my son had a preexisting condition; and of course, they don’t want to lose any money, so they cancelled. So, be aware of this insurance company’s big scam and fraud.

Humana has denied coverage of a sling following a rotator cuff surgery. This is a routine device that every patient needs following surgery. Humana also is denying payment for physical therapy. Recovery from rotator cuff surgery is a very long process, and success is often due to adequate physical therapy. I paid for the first 20 visits through my HSA account, and Humana is denying payment for additional visits despite a call from my surgeon getting approval for additional visits.

My elderly mother has had Humana Insurance for a while. She was due to have her eyelids lifted and at the last minute, they refused to pay. Why? Because she went to her doctor she has used for years and not one of their quacks. I think we will talk to an attorney, because the last I knew, it was the patient's final choice of doctors. I didn't know they could force people to do this.

I have been trying to cancel my dental insurance with Humana One for months now due to the fact that my premiums doubled without warning. It is impossible to cancel. I have called, sent messages from their website, and sent messages from my personal email account without any resolution whatsoever. Each time I follow the steps they give me, which includes sending an email with my name, account info, and request to cancel. Each time I send the message and confirm while on the phone that a service representative received it. However, my account still gets the payment drafted from it. When I called to ask why this happened, they show no records of my account ever being canceled. It has been an endless cycle. I am ashamed that I stuck by this company for the last 5 years and will seek legal action if this nonsense continues.

Should your health care Part D Plan make you want to cry? Every time I log onto their site, it gives me errors. My latest frustration is they canceled my account with RightSource in error and erased all my refills. They called me and sheepishly admitted a rep had my account on the screen when another client’s daughter called in to cancel her father's account. So what happens? You got it, they canceled my account and wiped out all my online history.

I fell and dislocated my right thumb, with a small chip fracture. This causes me great pain. I have now been given the runaround, referred to VRS offices and told that nothing is wrong with my thumb. I saw the X-Rays. The injury is clearly visible. The "M.D." who read them will not talk with patients. I will have to wait another week while they "refer" me to another specialist, and not even a bone doctor. It's another radiologist. So, that's 2 more weeks with no treatment. Solutions offered include switching primary care providers (start all over from the beginning with no guarantee that new provider will be any better) or go the emergency room (who will take an X-Ray again and refer me to a bone doctor). I am dizzy from the circles and tired of waiting in their very unfriendly offices. Their staff is not helpful, to put it mildly. They absolutely don't care. Their attitude is that I have to force them to do anything, and then wait until they are good and ready to do it. By the time I get treated for this injury, it will have healed wrong and I will never be able to properly use my hand.

Humana lost my online medical and pharmacy records between June and December 2012. They told me that I had requested termination of my Medicare C account and my husband's Medicare C account, to be effective June 1, 2012. I asked them to send me copies of requests for termination. They have been unable/unwilling to do so. We were paying for services not rendered. I had doctors' visits not covered by the Humana Medicare C account.

Our family has been with Humana One over 8 years. Our payments are direct withdrawn and we never had any problems with payment. Even when some of the rates increased, it was paid. During the 8-year period, there has not been any claims. Not too long ago, I severely injured my wrist and jaw which required going to the ER. Both injuries required surgery and metal plates. Assuming that Humana would provide me with insurance, I was angry to find that the hospital called me to let me know that Humana refused to pay for the bills. I am 21 years old and just getting started with my life. We have a small family business and we are trying very hard to survive in business. The hospital bills are quite large and I am not able to pay what they are demanding. Humana has not made any effort to at least assist with some of the large fees. I have tried several times calling Humana but have not had any returned calls. Now, I am stuck paying for fees along with also paying Humana. Humana has no problem taking but makes no effort in paying.

Telephone response - After taking 5 minutes to go through the voice response system, I was repeatedly given an office hour and told that they were too busy to have a representative talk to me and the call was disconnected. This has happened 5 times today. If I had known how poor their customer service was, I would have found another provider.

The billing department erroneously drafted $1000 out of my account! I signed up with Humana through eHealthInsurance. Humana did not draft my premiums, so I sent a check for 3 months at one time. They cashed my check, but did not post it to my account, so they said I was past due and drafted 4 months premiums from my bank account. It took over a week to get the charges reversed and only with the help of my bank did I get the charges finally reversed. In the meantime, my account was overdrawn due to Humana's error and they would not compensate me in any way. I have filed complaints asking for the 3 months premiums I paid to be refunded to me, which they denied. I spent several hours on the phone, having to explain my situation and their mistake to a different person every time, only to be told "We can't help you."

When bills were submitted by my providers, some were paid. This is a time period of April through current of 2012. And then, all of a sudden, I became responsible for not only the 20% that I pay but the total claim. I called and was informed that I had another company as primary. I said, "No, as of March 31, 2012, I only had Humana." I contacted the other company and they personally notified Humana of this. In the interim, all items submitted had been returned. At this point, it seemed all on same page. Twice, I went through this. And, lo and behold, I got another statement from them now showing I have another company as primary and am responsible, for the second or third time. Of course, they have again returned all of the providers' submissions.

Humana is the most inefficient insurance company I have ever dealt with. My emergency room outpatient in 2011 was $50, which I paid now. The hospital has been billing me for $4,000. I had an eye stroke and they had to do a CT scan, Humana won't pay. I have called 14 times, even the hospital said they have to fax a request for a medical report. Humana said they don't fax and can't call out. I can't wait to leave them. Incompetent customer service like robots. I have spent around 9 hours in total with the hospital and Humana. The hospital is trying to get their money, Humana says I am not responsible, but won't help me or the hospital. I am lucky that I did not have another stroke from the aggravation.

Co-pays and customer service - Since I have been with Humana, there has never been any real customer service. It is always the customer's problem. They either never do what they say they will do or it is just the way they do business (only bottom line cash forgets the customer). I will cancel my policy for Humana Medicare Advantage as soon as I can.

I have been in medical billing for 23 years. Never have I dealt with an insurance company as unprofessional as Humana. The pre-cert department in office chemotherapy approvals is the only bright department in the entire operation. They are smart and efficient. Unfortunately, the claims go to the claims department and customer service always claims to have no knowledge of why claims are denied. Even sending claims with pre-cert numbers does not help getting them paid. Also, they are entitled to audit us. We have no problem furnishing information.

I've been taking the anti-convulsant Topamax for several years. My employer offered only Humana's HDHP as our health care plan the last couple of years, and the Topamax now runs $1500.00/month until I meet that deductible, which is $5000.00. So, I was forced to switch to the generic topiramate, which is less effective. My Rx is for 150 tabs a month, and it always has been. Every so often, Humana requires a pre-authorization from my neurologist in order to fill that quantity, even though it has never changed.

My physician wrote a prescription for a 90-day supply, but Humana will not authorize a 90-day supply. They will not do this, because the medication comes in a 28-day package! The consequences were to find a medication that is not prepackaged and it must be bulk. Instead of Humana just authorizing 3 "prepackaged" boxes, no, I must find a different medication.

If you got some bad cancer cell in you body and need to go to MD Anderson in Texas from Louisiana, you are ** out of luck. I've been trying for 22 days. Some say to get referral to get a waiver. Most of Humana staff don't know what they are doing. Some say just out of net will not pay. So if I know what I know now, I will look for a better insurance. Because you will never know what will happen in the long run. I will have to look somewhere else. It seems like I am ** out of luck, but it may help someone else.

The customer service wait time is 20-30 minutes. The right hand doesn't know what the left is doing and will tell you whatever they have to to get you off the line. No customer follow-up, no contact with the corporate office and very rude. I have spent over 20 hours on the phone trying to resolve one problem. If only I had known this before I signed up. Never again.

I kept having to call them and trying to get my billing straightened out but they got rude with me, so I told them to cancel my policy and kiss my **. It was three days before the next month, so I signed up with HealthSpring and I am totally satisfied with them. I haven't had any problems since. Today, I got a letter in the mail from a damned collections agency saying that I need to pay Humana $21.42. I canceled in time before the next billing period and it is not my fault that they didn't do what I requested. They are slow to help, rude to deal with, and just denied most of what I needed. Corporate ** who don't give a ** about the people they are supposed to be helping. If you need good health insurance, call HealthSpring. They are so much better than Humana could ever hope to be.

Ever since switching to their new billing system, I have not been billed correctly once. I have been on the phone with them every month to get it corrected. I'm also getting charged late fees because they fail to take out money from my account. I'm enrolled in their automatic bill pay. How am I getting late fees for their problem? Of course, they don't correct it that day. They tell me it will be fixed on the next month's bill but it rarely is. My daughter was born in the 1st week of April. One week later, I called to get her added to my policy, and, of course, their system was screwed up and they could not give me a price or add her to my policy. I called every week for the next 4 weeks trying to get her covered and always ran into "their problem". It is now June and I don't have an insurance card for my daughter after being told they would add her to my policy and once again, they have not charged me the correct amount on my bill.

People are calling me and butting into my personal business. I don't want to be contacted by Humana - either by the renal management, doctors, and nurses, or the wellness or any of their programs. I have told them over and over. They even contacted my dialysis center to see if I still go there. They need to stay out of my personal business and just pay the bills when they get them no matter where it is from.

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.

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.

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".

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 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.

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.

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.

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.

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.

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.

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)

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.

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 fiancé 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.

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.

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.

My member number is **. 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.

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.

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 ask 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 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.

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.

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.

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.

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.

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.

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

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.

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".

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.

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 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.

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.

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.

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%.

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.

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 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.

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.

This is my email to the Office of the Inspector General of the US regarding Medicare fraud:

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.

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!

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).

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.

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.

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 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.

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. I explained the problem, they gave me an authorization number for services. The counselor and psychiatrist both called and verified before treating me. The counselor has not been in contact 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 January 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.

Their billing dept. is a total failure. I mailed in my premium. Two days later received 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 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. They also said, "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 doctors/hospitals are going through. I cannot get my money 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 is not competent.

I called on the phone after receiving information from Humana Insurance to get a free quote on insurance. The gentleman on the phone asked me a few question and immediately said that his company could not insure me. The questions he asked were, do I have any lung problems. I answered that I have COPD. When I asked why they could not insure me, I was told that if I got sick, it would cost the insurance company too much money. Then a week later, I received a second mailing from Humana Insurance that said "This is your 2nd chance. Don't wait. Sign up today." What is hard to believe is that so little training on Customer Service has been given to the people who answer the phones at insurance companies. I mainly just wanted people to be aware of the stupid answers the insurance companies are allowed to give out to the public and not be held accountable.

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 preexisitng 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 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 14-month-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 2007, I applied on behalf of my self 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.

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.

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 my self, my wife, and my daughter. And I 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?"

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 (Doctor **). 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. ** in Virginia as he was my primary care doctor and he would have informed them that it was not a pre-existing 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 ** and I had to pay the full amount of the charges for my appointment with Doctor **.

On Monday, April 6, 2009, my mother went to the dentist for a toothache she was having and her 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. At no point did Humana inform us of this payment, no letter, no call, no email, nothing to let us know that this $40 payment was due.

On January 7, 09, the paper they sent me said they would give me 120 days supply of my 3 meds that unless an exception for those would stop. But didn't give me the time they said they would. Cut me off after only 30 days. Didn't give me or my dr. the time to do the paperwork needed to them and was doing the best I could. Last few yrs. with this meds being disabled, I don't given, get money to buy outright for my meds. They just left me out in the cold hard. We trust these ins. with our lives: Big co. just do at will.

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.

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's supply; however after talking to three people in Customer Service and the pharmacist, and someone at Humana customer service and being transferred back to Right Source I found out that the reason 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?

I entered Rutland, Vermont regional hospital on emergency basis on Aug. 26, 2008 which Humana covered. The attending physician ordered a test Echocardiogram, but the equipment operator had gone home. The doctor ordered me back first thing on Aug. 27. Humana is refusing to accept this as a single claim. They received a letter from the physician the documented 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. The outstanding bills are approximately $1,500. I am a retired man on a small fixed income.

Despite the fact that Humana claims to cover chiropractor costs, they did not cover any of my chiropractor appointments. When they refused to pay, I immediately switched to a different provider. This company is unbelievably hard to deal with and their statements are impossible to understand. Stay away from this company! I ended up paying for the entire costs of chiropractor services out of my own pocket. $300.00 isn't too much to pay for a lesson learned. I'll never trust a contract or written statement from Humana again.

My daughter's 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.

August 2007, Humana took my daughter off policy because she wasn't a student anymore, but for the next year insisted she was still on policy and I am still being charged for her. Finally in August 2008, someone thank god 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 overcharge of my daughter but when they took my October payment out of the bank, they also took 690.00 instead of crediting me.

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 surprised 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!!

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 at 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 health care industry at Humana spends denying a $5 prescription?

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.

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.

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

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!!!

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.